REVERSALS, REFUNDS AND CHARGEBACKS

CLICK E-SHOP may debit a payment to the Merchant, even after it has delivered the goods or services sold when there is any reversal, charge, or refund for any cause. The Merchant authorizes CLICK E-SHOP to make the debits and withholdings in question. A reversal is the refund made by the payment processing network to a cardholder, of the value of a purchase, at the request of CLICK E-SHOP, usually on the instruction of the Merchant.

Exceptionally, CLICK E-SHOP will make reversals at the request of the user, at the request of a financial institution, or on its own, when the applicable regulation requires it. CLICK E-SHOP will manage reversals at the request of the Merchant. Exceptionally, it shall do so at the request of the issuer of the payment instrument, based on a buyer’s claim, where provided for by applicable law, and provided that the issuer makes available the technology to do so.

A rollback will proceed when the following happens:

• When the buyer/payer has been subject to fraud.
• If CLICK E-SHOP has a suspicion of fraud by impersonation of the payer, in which case the Merchant will authorize the reversal.
• In the case of purchases not requested by the buyer.
• When charged and discounted more than once, the value of the same purchase to a buyer.
• When the buyer has revoked, before the issuer of the payment instrument and before the Merchant, his authorization to charge periodic payments to his cards or bank accounts these have continued to be charged, after said revocation. It is necessary to clarify that CLICK E-SHOP can reverse debits made with a credit card, but not reverse debits made to bank accounts, since the issuer of said payment instrument has not implemented the way to do so.
• At the request of the Trade, when the buyer has made a mistake in the selection of the product.
• At the request of the Merchant, the buyer has exercised his right of withdrawal by the procedure legally established before the Merchant.
• When the Trade, due to lack of inventory for the dispatch of products to the buyer, has canceled the sale or when the product has not been received by the buyer.
• At the request of the Merchant, when the product delivered by the Trade does not correspond to what was requested by the buyer or is in poor condition, is of inferior quality, or is defective. The Merchant or the issuer of the payment instrument may request CLICK E-SHOP to make partial reversals, when the buyer has purchased several products and only one or some of the events described in the previous paragraphs have been verified. CLICK E-SHOP will only make partial reversals if the issuers of the corresponding payment instruments make the technology available to do so. Opportunity and procedure to request a reversal The buyer will have up to fifteen (15) business days following the occurrence of the causes described to request a reversal to the Merchant and the issuer of the electronic payment instrument. The Merchant or the issuer of the payment instrument will notify CLICK E-SHOP of said request so that the payment can be reversed. In no case may the reversal of payments be requested on transactions processed by CLICK E-SHOP more than six (6) months before the date of the request for the Reversal. Reversal requests must be generated by the Commerce in writing through the means provided for this purpose and may also do so through its administrative panel using the tool enabled for this purpose. If the issuer of the corresponding payment instrument requires a refund, it must be requested via the customer service email of the CLICK E-SHOP.

Contact us

If you have any questions regarding this policy, your rights and obligations arising therefrom, and/or your use of the Site and Service, your Account, or any other matter, please contact info@clicke-shop.net.