What is a Visa credit card?
The Visa Blue Carte is a widely used bank card in France, issued by Visa Inc. It allows its holder of‘Make payments and withdrawals money worldwide. Visa cards are often offered by banks and financial institutions. They offer a wide range of services, such as insurance or purchase guarantees.
How to cancel a lawful payment by Visa bank card?
Negotiate with the merchant
Even if the transaction is legitimate, the buyer may want to cancel it for another reason (for example, change of opinion, order error, etc.). In this case, you must first contact the professional from which the purchase was made. Many traders offer a return or reimbursement policywithin a defined time (14 or 30 days).
Use your insurance
Some Visa cards (in particular high -end credit cards) offer purchase protections or insurance. If payment concerns a property or service that does not meet expectations of the buyer, or if a problem arises with the transaction, it can be eligible for specific protection, depending on the general conditions of the card.
Try to request retrofactive (Chargeback)
Although retrofing (chargeback) is used in the event of fraud or dispute of an unauthorized transaction, it can sometimes be used by the buyer to contest a lawful transaction in certain exceptional situations. For example :
- Product not delivered or non -compliant: the product or service has been paid, but has not been delivered or does not correspond to the description.
- Transaction error: The professional billed an incorrect amount or there was an error in the payment process.
However, retrofing does not apply if the buyer has just changed his mind or wants to cancel a transaction without legitimate reason.
How to cancel a payment made on the Internet with a Visa card?
An impossible cancellation of payment
A payment made with an online bank card or via a mobile application is a irrevocable payment. It can only be canceled in the event of fraudulent use of the bank card. However, legal actions and legal appeal in the event of a dispute with the seller are applicable.
Withdrawal period
According to consumer rights, when the purchase was made remotely via a website, the card carrier benefits from a withdrawal period of 14 days. This right is valid throughout the EU. The deadline runs from the day of delivery or as soon as the contract is concluded for services. The seller has 30 days to reimburse.
Certain contracts allow us to return to a purchase decision beyond 14 days. In this case, it is up to the consumer to contact the merchant directly in order to request the termination of his purchase.
Is it possible to cancel or block a fraudulent online payment?
Bank card: a compulsory refund in the event of fraud
In the event of fraud (diversion, theft or hacking) of a payment card, the transaction can be canceled within 13 month. With the exception, this period falls to 70 days if the provider of the beneficiary of the payment operation is not located in a Member State of the European Union.
As soon as fraud is discovered, it is recommended to alert your bank as soon as possible by mail with acknowledgment of receipt. The bank is required to reimburse a fraudulent payment if the unauthorized payment transaction has been made in one of the cases listed below.
In case of fraud or payment by bank card without authorization
If the card has been used without the consent of the wearer By an unauthorized third party in order to make a purchase, we speak of fraudulent use. This is for example the case if a payment without authorization was made by another person than the card holder, after a flight or if fraud is committed on the Internet.
In the event of purchase on the net not delivered, but debited
If a product paid with a card is not delivered Or that a service provision is not honored due to a failure or liquidation, the cancellation of the payment may be requested. But in practice, it will be difficult to obtain reimbursement.
In the event of a miswear of authorization or breach of trust
The embezzlement is proven when a carrier provides the contact details of his bank card, for example to a hotel, without knowing the amount that will be debited. In the event of abuse, payment can be disputed in a eight period weeksprovided you respect one of the following conditions:
- The CB flow is greater than the authorized.
- Payment proceeds from a flight, a scam or a breach of trust.
- A diversion of authorization.
How to cancel fraudulent payment?
Find the origin of payment in fraudulent CB
It is essential to Find the origin of the transaction by checking Its account statements to identify the merchant or the service having taken the levy, as well as the information related to the transaction (date, amount, etc.). If the latter was made online, finding the platform or the website where payment took place is a good start.
Quickly prevent your bank
As soon as the disputed payment is noted, the carrier must send a letter with AR at his bank. He must specify his CB number there, the economic agent for which payment has been made and motivate his cancellation request. This can also be achieved if an account has been debited twice by mistake or a transaction corresponding to nothing has been billed.
Challenge the banking transaction
Then you have to fill A payment contestation form that the bank provides. In this document, it is necessary to explain in detail and to prove why the transaction is fraudulent. This may include screenshots, account statements, or exchanges with the merchant.
Request Visa retrofing for a refund
Retrofactive (or Chargeback) is a device that allows a Visa bank card holder (but also another card) oppose a payment And to request a refund for an amount debited on your account. It is then necessary to contact your bank (or the issuer of the card), which examines the request and restores the amount if necessary.
Reasons for canceling a payment by Visa bank card
The ChargeBack intervenes following the following operations:
- If a payment has been made Without the consent of the card holderor if the card has been stolen or used fraudulently.
- If the customer has not received the property or the service for which he paid.
- If the transaction has been processed in double or with an incorrect amount.
- If the product or service received does not correspond to what was initially promised by the seller.
Retroducing or loadback is a consumer protection mechanism, but it can also be used by professionals to defend themselves against unjustified requests.
Complaint
If the transaction comes from a bank card fraud,, It is recommended to file a complaint. A copy of the complaint can be requested by the bank to process the complaint. Depending on the nature of the fraud, the police will be able to investigate to identify the authors of the fraudulent act.
How to cancel the payment of an in progress visa transaction?
Canceling a payment in progress by visa card is not always possible once the transaction has been authorized and processed. However, there are options to consider according to the situation and the type of transaction.
Request the cancellation of payment to the seller
Again, the easiest way is to contact the merchant Before payment was debited. In some cases, it may be possible to cancel the purchase before the transaction is finalized. For some online purchases, there are even cancellation deadlines.
Transactions awaiting treatment
If the transaction has already been processed by the seller, but not yet debited, it is in waiting for treatment. In this case, it is possible to contact your bank to check the status of the transaction and request whether it is possible to cancel or block it before it is debited.
Maximum time for a bank card flow
Certain transactions can be debited immediately or in the hours that follow. This includes card payments in stores in particular. If the transaction is carried out online or by phone, there may be a processing period, which may vary fromone to three working days.
Is it free to block or cancel a payment by CB Visa?
Cancellation of a payment before debit
Before payment is actually debited, as in the case of an online purchase where shipping has not yet taken place, it is often possible toCancel the purchase at no cost. Indeed, the bank not intervening, it is simply a cancellation of the merchant.
Cancellation of a payment after debit
If the cancellation of payment occurs due to a defective or non -compliant product, the merchant may agree to reimburse the customer. This procedure is often free As long as the withdrawal period runs or if the customer follows the return conditions.
Retroducing (Chargeback)
A retrofing is the most often free for the card holderbut some banks may charge costs if the process requires complex procedures or if the request is not deemed legitimate. It is important to check the specific conditions of your bank.
Case of fraud or card flight
Persons victims of fraud or theft and having respected the payment cancellation procedure have nothing to pay. The bank covers the fund recovery procedure. However, it is important to report fraud or theft quickly, as dispute deadlines can be limited.
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