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"payment reversal because of cardholder authorization "

Discussion started by renderstudioarchviz

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someone purchased my collection of 8 models and after a days i got a message that "payment reversal because of cardholder authorization " now my balnce is in negative.. is that normal here? why i have to refund my money , the buyer is already using my collection models.

Posted 11 days ago

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Answers

TazMan2000

Posted 10 days ago

It sounds as if somebody used a stolen credit card to purchase your collection. The original owner found out and disputed the charges. It doesn't happen often but it does happen.

renderstudioarchviz wrote 10 days ago

whats my fault if someone using this method to stole models? this is a big loophole here.

TazMan2000 wrote 10 days ago

Unfortunately this is a problem with almost all online businesses. Although it has never happened to me, I've read that it has happened to several people here, more notably several years ago, but lately there seems to be a slight upsurge.

LemonadeCG

Posted 9 days ago

@renderstudioarchviz, it's not your fault, but neither it's the rightful card owner's fault. The transaction was illegal, so it has been reversed. You probably wouldn't think about a loophole if your card would be stolen and you'd want to get your money back for purchase that you didn't make, isn't?

renderstudioarchviz wrote 9 days ago

ok sound good but how can i know about the one who purchased the models is not the same person who's card is lost ? and yes you are right money should be reversed if some one using it illegly.

LemonadeCG wrote 9 days ago

I don't know how exactly bank determines if the money were stolen, but i'm pretty sure they do some checks before issuing payment reversal, otherwise if lying that your card was stolen and getting free money would be that easy then people would do that all the time.