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You must have read why we want you to pay online for orders you make. So
what happens if you pay and we did not fulfil our part or even did so
partially? There is a solution. It is called CHARGEBACK.
A chargeback is a charge that is returned to a payment card after a
customer successfully disputes an item on their account statement or
transactions report. A chargeback may occur on debit cards (and the underlying
bank account) or on credit cards.
In order to strengthen adoption of electronic payments, the CBN and
other financial institutions have provided numerous frameworks and guidelines.
One of such is the refined guidelines of the chargeback process and timelines
(SLAs). It covers for both ATM, POS, and Web payments/ transactions but we will
highlight something powerful you must take advantage of as it concerns shopping
and paying online.
If you place an order and paid online, DON’T FRET!
We passed through the
payment processors rigorous verification processes before their payment API was
enabled to collect payments on our website. This process include verifying all
our company registration documents, personal identities, BVNs, both business
and residential addresses, our business policies and processes, amongst others.
Online merchants are required to always ensure they provide top-notch
service and products as promised on their website. Where however the merchant
fail to meet the obligation, the customer can (and should) contact his bank or
the payment processor for a chargeback claim.
What happens when such chargeback claim is initiated?
The bank will forward the request to the payment processor who in turn contacts
the merchant via email to provide cogent reason(s) why the chargeback should be
denied. The merchant has just 24hours to respond (from the time the email was
sent). It does not matter if the merchant saw/ read the email or not. After
24hours, the merchant account with the payment processor is charged (no
questions asked) and the customer is bank card is credited. This process takes
So you see. If we fail when you place an order with us, your money is
Try it today!