Every third user of virtual payment systems is faced with the issue of returning finances. The demand for online transfers is growing every day, respectively, and a lot of mistakes happen. The cause of an incorrect transaction can be both the banal carelessness of the user, and the actions of fraudsters.
At the moment, one of the most popular online systems for sending and receiving electronic money using various devices and communication channels is the Russian payment service QIWI. Money transfer errors made through this system will be discussed in this article. After reading which the reader will be able to use one of the options how to return money from the Qiwi Wallet.
Reasons to cancel payment
Today, the payer uses many options for transferring funds: using a terminal, a bank card, through an ATM or through special applications on the phone. It is easy to make a mistake and confuse the data.
Reasons for improper deposit:
- Haste.
- Vision problems.
- Inattention.
The owner indicates the wrong details and mistakenly replenishes another account.
As a result of malfunctions in the Kiwi system itself or in the operation of the device, there is no receipt of funds.
- Unfair actions of other users.
Refund if the holder of the wallet is a private person
It is important to remember that the electronic transfer does not occur instantly after entering the details. Therefore, you need to start a refund immediately after an erroneous replenishment.
To do this, look at the status of the transaction in the payment history. If "not completed", then resolve the issue using the Qiwi support service.
The user logs in to his personal account, compiles an application with a copy of the check, where he indicates the details for adjusting the operation. And waiting for an answer.
If the "payment is successful," then contact the provider.
Recipient - legal entity
In this situation, they act differently, since the reporting of payments is carried out. Study the details of the organization and come in person to discuss the problem. In order to maintain a reputation and not lose customers, enterprises return money without any problems.
In other cases, law enforcement agencies are involved. But they act through the employees of the payment system.
Top-up via the terminal: algorithm of actions
Electronic payments are transmitted with a half-hour delay. In this case, the method of how to return money from the Kiwi Wallet is similar to the procedure for returning with a private person.
First of all, if the information is entered incorrectly, they check the status of the payment and perform the same actions:
- contact technical support, indicating the time of operation and location of the terminal;
- turn to the provider.
A direct contact with the recipient is possible if it is registered in the system and indicated the contacts.
Experienced users save checks with transfers. If the terminal does not issue a receipt, they call the owner of the device. It’s worth the effort to refund.
ATM Payment
In case of mistaken replenishment through an ATM, the solution to the question of how to return money from Qiwi is solved in the following way:
- Fill out a special form on the website or contact the payment service employees by phone;
- through the provider;
- contact the recipient.
If the above options do not work, then go to the police, and then to the court.
Important! When making an operation, carefully, without haste, you should double-check the details, so the probability of error is reduced.
Attention: swindlers
Hard case. Fraudsters act quickly, according to a proven scheme, immediately withdraw money. It is rarely possible to track the movement of funds, since the personal information of the final recipient, as a rule, is not indicated. Is it possible to return money with Qiwi in this case?
The victim makes a call to the electronic service hotline with a request to block the attacker's wallet and cancel the transfer. Mandatory writes a statement to law enforcement. In hot pursuit, the chances of finding a criminal increase.
Precautionary measures
In order not to think later how to return the transferred money from Qiwi Wallet, the user must follow the general rules for making payments. An unscrupulous user is trying to trick money into his account through:
- Online purchases in the form of a prepayment or the full amount;
- the provision of services, discounts on goods;
- charitable assistance to various organizations.
Before making a transaction, experts advise you to carefully read the data that the account holder enters into the system. Providing the following information is a guarantee of reliability:
- authorization and personal account availability;
- personal identification - full name and passport data;
- the name and address of the organization, the presence of mandatory details for payment and verification;
- account registration date - one-day wallets are suspicious;
- rating;
- mailbox location - a serious enterprise uses paid domains.
Attackers try not to linger in the system, so they avoid entering contact information that helps track location. Therefore, there are not so many options for how to return the money transferred to the Qiwi Wallet of a scammer. If the paid goods do not arrive, and the seller does not get in touch, then there is only one way out - contact the police and consumer protection.
Wallet lock: what does the owner do
The question of how to return money from Qiwi can arise not only in case of an unsuccessful transfer of funds, but also in situations of loss of access to your personal account, on whose account a certain amount is stored.
The reasons for restricting access to the account are:
- Suspicious account activity
- the presence of complaints from other users;
- The daily operations limit has been reached.
For unauthorized customers, an allowable amount of one hundred thousand rubles is set. If the limit is exceeded, the account is blocked for a day.
Verification of an account is a procedure for a client to provide complete, true, official information that arouses trust: copies of identification documents, contracts with a mobile operator.
Important! It matters if you have a contract with a cellular company, as suspicious individuals try to get access to your wallet and withdraw funds using calls from unknown numbers.
If a loss of access is detected, they contact the security service of the payment resource. For this:
- in the menu bar "help" select the section "contact support";
- item "security service";
- option "unlock wallet".
The user must leave a request with personal information and a description of the problem. Copies of documents and a contract with a communications company or a certificate of ownership of a cellular number are attached to the application.
Important! Doubtful appeals about the imposition of access return services may be ignored by the support service. This will increase the likelihood of being left without funds. Therefore, it is important to take care of the quality of scans of your documents.
Law Enforcement
The last option is how to return the money sent to the Qiwi Wallet. The deceived user, having exhausted the attempt to return the funds, contacts the police, prosecution authorities or the court.
The statement indicates:
- personal data;
- user information;
- transfer amount;
- date of operation
- a description of the problem and a request to open a criminal case for fraud.
How to return money from Qiwi mistakenly sent from a card?
In a situation of remote transfer via applications in the phone or personal account, the easiest way is to return money sent by mistake. To do this, the user needs to contact the hotline of the bank, since while the payment is being processed, the operator is able to make a refund.
Even after half an hour and payment processing, you can return the funds. The algorithm of actions is saved.
Withdrawal of funds from a payment card via SMS
In this case, you must contact the payment service, but before that, block the account until the circumstances of the case are clarified.
When receiving a suspicious SMS with a money transfer operation:
- logs into account;
- selects the one in the "map" window;
- presses the lock button
- Contact the security service on the site;
- connects the police.
Conclusion
There are not many options for how to return the money put on Qiwi. As a rule, the issue is resolved through the support service of the payment service, bank operators or law enforcement agencies. In order to avoid problems with proving the existence of a transaction, the user is recommended to save payment confirmations (receipts). Before confirming the transaction, it is important to verify the correctness of the details of the recipient and not to make transfers in favor of doubtful persons.