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Credit Card Chargeback Disputes, How to solve, please help
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SUSGrowTentProject
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 Mar 9 2017, 02:13 AM
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Getting Started
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to authorize payment from CC to gateway to merchant ... a OTP will need to be entered for transaction without the physical card .. OTP will be sent by the Bank to cc holders phone and then cc holder will need to enter it into the Bank website (will pop up) OTP implement since 2012 as in BNM publication http://www.bnm.gov.my/files/publication/fs...n/2012/cp05.pdfwith the OTP, it is the bank that authorized the payment to ipay88 (and ipay88 to forward the $$ to you) ... i can say, the cc holder refuse to pay the bank ... and the bank refuse to pay ipay88 and pass it on to you .... what i;ll do is to offer to team up with ipay88 ... tell them, if you were to take on this alone, you can go BNM as well and threaten to go big ... AND ... this is cc fraud case / scam .... with posting slip that contains name (and IC of receiver hopefully) and address ... you can really report to BNM ... This post has been edited by GrowTentProject: Mar 9 2017, 02:18 AM |
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SUSGrowTentProject
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Mar 10 2017, 06:39 PM
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Getting Started
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QUOTE(Jinglexo @ Mar 10 2017, 06:12 PM) I'm confused. If the buyer key in the OTP isn't it the cc holder authorise the transaction? And that even if the buyer initiate a dispute isn't the bank will inform the buyer he/she is liable at first place? I had a fren just gone thru this. Disputed wrong tranx. 😂 Buyer > Bank > Ipay88 > you if at buyer end, no one key in OTP when prompt, then the bank will not authorize payment to ipay (and to you d) ... how the buyer can dispute this ?? he can say its not him he never authorize (cause never receive any OTP etc) ........ like this most probably bank at fault lar, he never key in OTP how come bank still authorize payment to ipay ?? like this never follow protocol as set by BNM ... ask ipay for information such as CC and which bank card issued from as entered by the buyer during check out ... |
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SUSGrowTentProject
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Mar 10 2017, 08:05 PM
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Getting Started
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QUOTE(Jinglexo @ Mar 10 2017, 07:44 PM) I thought if bank issue otp, then buyer is confirm liable liao . Coz otp sent out, bank can trace. And usually if didnt key in otp will expired. this is between buyer and banks ... in CC case, if CC holder refuse to pay ... then banks will look for other way out, push the blame to others ... everybody want to take the easy way out .... hoping merchant also diam diam give back money thats why have to fight abit |
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SUSGrowTentProject
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Mar 10 2017, 08:43 PM
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Getting Started
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QUOTE(jack2 @ Mar 10 2017, 08:15 PM) I am interested to know how soon the cardholder made dispute report upon this case. hopefully, he/she make the report and fight it lar .... dont just pay up .... i might suggest Merchant team up with gateway (after all gateway services are paid a fee by merchant and have input details by the "buyer" during check out) ... they should provide all information and advise to merchant and not let him/her fight blind (at least advise and represent them abit since they are paid) ... |
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