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Something I learned in college - not all countries have the same laws as the US where it's easy to dispute a charge and the burden of proof is with the merchant
by diebeforei485 5y ago
Something I learned in college - not all countries have the same laws as the US where it's easy to dispute a charge and the burden of proof is with the merchant.
If India is one of those places where the burden of proof is on the customer, and it's difficult to dispute charges, it makes sense to tokenize things.
- mwnn 5y agoYes. On forums and online IM groups you'd find plenty of people suggesting "raise a chargeback" without realising it means nothing in India. It's just a gesture. Merchant can just deny the charge back and that's it, your credit card provider is done you are charged.
- vivekv 5y agoThe burden of proof in India is with the merchant. Proof of transaction has to be provided (invoice etc.,)
- frupert52 5y agoThe rules around chargebacks et al are dictated by the card scheme and remain the same regardless of country the merchant is operating in or car holder is transacting in. How this translates on the ground would be the primary point of difference to other countries.
- flak48 5y agoI've filed a chargeback before in India, the burden of proof was on the merchant at that time. Maybe I got lucky with my card issuer.
- ratww 5y agoDifferent banks/card issuers have different rules too.
- unmole 5y agoDisputing transactions is very simple in India. The transaction notification email/sms itself usually contains a URL to dispute the transaction.