Credit or Debit Card Holder who can see their Credit Card or Bank statement has charge slip in the name of Target Infra & Business Solution & they are confident about submitting the proof of not committing that transaction.
Government or Semi Government Organisations, who has been notified of such fraudulent transactions by the payment tool holder, through proper documentations/complaints.
Banks, Credit Card Companies or other payment partners who has been notified of such fraudulent activity in the name of Target Infra & Business Solution.
Any concerned Citizen, who thinks they want to report some frauds being carried out in the name of Target Infra & Business Solution
Kindly write an email to support@Payin1.in with as much available details/ facts/ documents/ SMS’s/ Statements etc.
In any case, if a fraud is reported within the advised safe time frame, we stop the payment & request the Sender of the payment to provide further documentations to prove legitimate use/ permission from the Credit Card/ Debit Card Holder.
Within a time, frame of 45 Bank Working Days, the payment is reversed back to the credit card/ debit card holders Account with a reversal charge of 3.5% applicable.
In some cases, the payments may hold up to 180 working days or more... depending upon how authorities would want us to go ahead on the same.
Please Note: Many a times our Payment Partners (Payment Gateways, etc.), may ask us not to process the payment due to any issues which they find to be worrying, then in such cases too, we will hold the payment up to 180 working days or more.
At Target Infra & Business Solution, if authorities report a fraud which has been filed with them by the Credit Card Holder, Debit Card Holder, Bank Account holder, or any financial tool Holder, which/or whose account/tool/means has been used to pay at Payin1 App, we will share all the details of the customer whose account is subject to the fraud. This will be in purview of the right of the authorities.
The Fraud Payment Could be Declared Fraud, Indicative Fraud, Suspicion of Fraud or Under Investigation Fraud.
Once a Investigation will be in process from the authorities, any payment on that account in that time period will be kept on hold. Until there is no complete Go ahead from the authorities in a written manner, the account of the user will stay suspended.
In the meantime, the team of Target Infra & Business Solution will get involved with the authorities in order to come to a final conclusion. Number of Hours Spent on resolution will be a cost affair & for the same a bill will be adjusted from the user. The same will be adjusted from the balance or payment in hold, or a bill shall be sent to the User in question to settle. Also, any penalty or whatsoever financial payoff will be claimed from the authorities end, shall be the liability of the user to pay/settle.
Please note, once a process of hold is initiated it will be for minimum 90-180 Bank Working days (or as the banks/authorities will advise).
Once a clearance from the legal/admin/authorities (involving banks or cyber police or police or courts, etc.) is received, either in electronic way, that is email or in Hard copy document, the same funds (with whatever subject to deduction on the charges for legal expenses/penalties etc.) will be released within 45 Banking Days max (Post the clearance received). Also, if in between any new cases arises on the same user as a second time offence, whether it holds true or not, subject to investigation again, all the funds in the account will again be put on hold.
IMPORTANT: The Above are just for reference. There could be more depth in the process of resolution of Fraud Payment/ Indicated Fraud & that could be communicated on case-to-case basis.