{"id":782,"date":"2022-12-01T14:00:20","date_gmt":"2022-12-01T13:00:20","guid":{"rendered":"http:\/\/www.esc-sr.sk\/?p=782"},"modified":"2022-12-08T12:35:36","modified_gmt":"2022-12-08T11:35:36","slug":"zaplatili-ste-za-tovar-ktory-vam-nedorazil-vyuzite-sluzbu-chargeback","status":"publish","type":"post","link":"https:\/\/esc-sr.sk\/novinky\/zaplatili-ste-za-tovar-ktory-vam-nedorazil-vyuzite-sluzbu-chargeback\/","title":{"rendered":"Zaplatili ste za tovar, ktor\u00fd v\u00e1m nedorazil? Vyu\u017eite slu\u017ebu chargeback!"},"content":{"rendered":"

Zaplatili ste predajcovi za tovar alebo slu\u017ebu platobnou kartou? Stali ste sa obe\u0165ou podvodu, doru\u010dili v\u00e1m falzifik\u00e1t alebo ste sa chytili do predplatnej pasce na internete? M\u00f4\u017eete \u017eiada\u0165 vr\u00e1tenie pe\u0148az\u00ed prostredn\u00edctvom postupu, ktor\u00fd sa naz\u00fdva „chargeback“.<\/p>\n

\u010co je to chargeback?<\/h2>\n

Chargeback je proces sp\u00e4tn\u00e9ho z\u00fa\u010dtovania platobnej transakcie vykonanej prostredn\u00edctvom platobnej karty. Ide o efekt\u00edvny n\u00e1stroj na posilnenie ochrany pou\u017e\u00edvate\u013eov platobn\u00fdch kariet pred nepoctiv\u00fdm obchodn\u00edkom \u010di poskytovate\u013eom slu\u017eieb. Postup chargeback umo\u017e\u0148uje, \u00a0v pr\u00edpade ak ste platili kartou, z\u00edska\u0165 peniaze sp\u00e4\u0165 priamo od kartovej spolo\u010dnosti alebo banky.<\/p>\n

\u010co robi\u0165 pred t\u00fdm ako vyu\u017eijete chargeback?<\/h2>\n

Ak ste sa stretli s nepoctiv\u00fdm obchodn\u00edkom v\u00a0prvom rade je potrebn\u00e9 si vo\u010di nemu uplatni\u0165 reklam\u00e1ciu resp. odst\u00fapenie od zmluvy, a\u00a0to v\u00a0p\u00edsomnej alebo elektronickej forme. Tieto podklady si \u00a0uchovajte. Ak odpovie zamietavo, alebo na va\u0161u komunik\u00e1ciu v\u00a0lehote na to ur\u010denej nereaguje a\u00a0ste presved\u010den\u00ed, \u017ee ste v\u00a0pr\u00e1ve, obr\u00e1\u0165te sa na svoju banku.<\/p>\n

Kontaktujte svoju banku a po\u017eiadajte o vr\u00e1tenie platby<\/h2>\n

Pre vr\u00e1tenie pe\u0148az\u00ed prostredn\u00edctvom chargebacku kontaktujte svoju banku, a\u00a0to ide\u00e1lne p\u00edsomnou formou. Chargeback umo\u017e\u0148uj\u00fa spolo\u010dnosti vyd\u00e1vaj\u00face kreditn\u00e9 karty (Visa, Mastercard…) prostredn\u00edctvom va\u0161ej banky.<\/p>\n

Reagujte r\u00fdchlo a pokia\u013e mo\u017eno do 30 dn\u00ed od pr\u00edslu\u0161n\u00e9ho n\u00e1kupu alebo objedn\u00e1vky. Niektor\u00e9 spolo\u010dnosti vyd\u00e1vaj\u00face kreditn\u00e9 karty nepon\u00fakaj\u00fa mo\u017enos\u0165 vr\u00e1tenia pe\u0148az\u00ed po uplynut\u00ed \u00a090 alebo 120 dn\u00ed od d\u0148a platby.<\/p>\n

\u010co robi\u0165 ak banka chargeback nepozn\u00e1?<\/h2>\n

V\u00a0pr\u00edpade, \u017ee va\u0161a banka tento postup nepozn\u00e1 alebo us\u00fadi, \u017ee jej neprin\u00e1le\u017e\u00ed zasahova\u0165 do v\u00e1\u0161ho sporu s\u00a0obchodn\u00edkom, m\u00f4\u017eete jej posla\u0165 tento \u010dl\u00e1nok. Z\u00e1rove\u0148 sa obr\u00e1\u0165te na spolo\u010dnos\u0165, ktor\u00e1 vydala Va\u0161u platobn\u00fa kartu a\u00a0po\u017eiadajte o\u00a0pomoc pri rie\u0161en\u00ed v\u00e1\u0161ho probl\u00e9mu.<\/p>\n

Tipy pre spotrebite\u013eov v\u00a0skratke:<\/h2>\n
    \n
  1. Po\u0161lite obchodn\u00edkovi p\u00edsomn\u00fa reklam\u00e1ciu a pok\u00faste sa probl\u00e9m vyrie\u0161i\u0165.<\/li>\n
  2. Ak obchodn\u00edk neodpoved\u00e1, je v konkurze, alebo odmieta reklam\u00e1ciu, uplatnite si chargeback.<\/li>\n
  3. Ak vydavate\u013e kreditnej karty alebo va\u0161a banka chargeback zamietne, obr\u00e1\u0165te sa na n\u00e1s<\/a>.<\/li>\n
  4. Konajte r\u00fdchlo, nako\u013eko niektor\u00e9 postupy m\u00f4\u017eu by\u0165 \u010dasovo obmedzen\u00e9.<\/li>\n<\/ol>\n

    <\/p>","protected":false},"excerpt":{"rendered":"Zaplatili ste predajcovi za tovar alebo slu\u017ebu platobnou kartou? Stali ste sa obe\u0165ou podvodu, doru\u010dili v\u00e1m falzifik\u00e1t alebo ste sa …
    Zobrazi\u0165 \u010dl\u00e1nok<\/a>","protected":false},"author":2,"featured_media":2680,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[23],"tags":[175,429,60,221,492,494,75,99,483,493],"_links":{"self":[{"href":"https:\/\/esc-sr.sk\/wp-json\/wp\/v2\/posts\/782"}],"collection":[{"href":"https:\/\/esc-sr.sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/esc-sr.sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/esc-sr.sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/esc-sr.sk\/wp-json\/wp\/v2\/comments?post=782"}],"version-history":[{"count":4,"href":"https:\/\/esc-sr.sk\/wp-json\/wp\/v2\/posts\/782\/revisions"}],"predecessor-version":[{"id":2683,"href":"https:\/\/esc-sr.sk\/wp-json\/wp\/v2\/posts\/782\/revisions\/2683"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/esc-sr.sk\/wp-json\/wp\/v2\/media\/2680"}],"wp:attachment":[{"href":"https:\/\/esc-sr.sk\/wp-json\/wp\/v2\/media?parent=782"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/esc-sr.sk\/wp-json\/wp\/v2\/categories?post=782"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/esc-sr.sk\/wp-json\/wp\/v2\/tags?post=782"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}