purchases or money withdrawals have been debited to the unfortunate cardholders' bank or credit card account û the cardholder can reclaim these charges. He has to clearly identify them and state in writing that they were not effected by him. A process called "chargeback" thus is set in motion. A chargeback is a transaction disputed within the payment system. A dispute can be initiated by the cardholder when he receives his statement and rejects one or more items on it or when an issuing financial institution disputes a transaction for a technical reason (usually at the behest of the cardholder or if his account is overdrawn). A technical reason could be the wrong or no signature, wrong or no date, important details missing in the sales vouchers and so on. Despite the warnings carried on many a sales voucher ("No Refund û No Cancellation") both refunds and cancellations are daily occurrences. To be considered a chargeback, the card issuer must initiate a well-defined dispute procedure. This it can do only after it has determined the reasons invalidating the transaction. A chrageback can only be initiated by the issuing financial institution. The cardholder himself has no standing in this matter and the chargeback rules and regulations are not accessible to him. He is confined to lodging a complaint with the issuer. This is an abnormal situation whereby rules affecting the balances and mandating operations resulting in debits and credits in the bank account are not available to the account name (owner). The issuer, at its discretion, may decide that issuing a chargeback is the best way to rectify the complaint. The following sequence of events is, thus, fairly common: The cardholder presents his card to a merchant (aka: an acceptor of payment system cards). The merchant may request an authorization for the transaction, either by electronic means (a Point of Sale / Electronic Fund Transfer apparatus) or by phone (voice authorization). A merchant is obliged to do so if the value of the transaction exceeds predefined thresholds. But there are other cases in which this might be either a required or a recommended policy. If the transaction is authorized, the merchant notes down the authorization reference number and gives the goods and services to the cardholder. In a face-to-face transaction (as opposed to a phone or internet/electronic transaction), the merchant must request the cardholder to sign the sale slip. He must then compare the signature provided by the
Bermudo Ovéquiz Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
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Bermudo Ovéquiz Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Bermudo Ovéquiz Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Bermudo Ovéquiz Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Bermudo Ovéquiz Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
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Bermudo Ovéquiz Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
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Bermudo Ovéquiz Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Bermudo Ovéquiz Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Bermudo Ovéquiz Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Bermudo Ovéquiz Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Bermudo Ovéquiz Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Bermudo Ovéquiz Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
Bermudo Ovéquiz Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession.
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