The popularity of online payments is growing every day. Today, there is no longer any need to stand long lines at the bank's cash desk or spend a lot of time buying food and household appliances. Any goods can be ordered in online stores and immediately pay. One of the most popular online payment systems in Russia is Visa QIWI Wallet. This fast and convenient service is constantly evolving and offers its customers one of the most advanced remote payment systems.
Despite the fact that the security system of Qiwi payments is quite reliable, there are often situations when funds go to the wrong address. What can be done? Is it possible to cancel the Qiwi payment and how to do it? In order to accurately answer this question, you must clearly understand what caused the trouble, and act quickly.
Why it happens
There are two ways to translate:
- electronic service;
- a special payment terminal where the Kiwi payment is processed.
How to undo actions in each of the options and why, in fact, errors occur?
There are a number of situations where the money sent by the payer does not reach the addressee:
- There was a mechanical error while entering payee payment details.
- During the operation of the service, a system crash occurred and the payment was not transferred as intended. This happens in case of loss of connection with the server, a long queue in the transfer chain, a sudden power outage, a breakdown in the terminal or computer, and a number of other cases.
- The payer was the victim of a scam or was forced to make a transfer.
- After the transfer, the plans changed or the payer changed his mind. For example, found a product cheaper or broke off a relationship with a service provider.
Each of them has a special algorithm of actions and requires detailed consideration. At the same time, it is important to understand that it will not always be possible to return the spent funds.
If the erroneous transfer occurred for reasons beyond the control of the payer, the chance to return the money is very high, after a thorough check, the administration of the service will compensate the loss. If the payer is to blame for the trouble, the chance to return the money is not so great. But you should still try.
To understand whether it is possible to cancel a payment on a Qiwi wallet and what to do in this or that situation, let's take a closer look at them.
Payment transfer to a private person
Most payments in Visa QIWI Wallet system occur between individuals. Therefore, for starters, consider how to cancel a payment at Qiwi when it is made to a private person. There are two options:
- the payer is personally acquainted with the recipient;
- counterparty - an unknown person.
In the first case, there should be no problems with the return. You just need to contact the recipient, explain the situation and ask to transfer the money back. There is no point in contacting technical support, because the payment was made voluntarily, and the money was delivered to the addressee.
In cases where the counterparty is unknown, the situation is somewhat complicated. First you’ll have to find out the addressee’s data and try to contact him. You need to go to your personal account in the service. The data of the user who received the payment will be visible in the "Transactions" section. There, the fact of transfer is confirmed, and information about the recipient is indicated. If all the columns are filled out and the wallet is verified, it is easy to contact him. Then it all depends on whether you can convince a person to return the transferred funds.
If it is not possible to convince the counterparty, it makes sense to contact the law enforcement authorities and try to prove that there is a fact of fraud. At the same time, you should contact the technical support service. Here is a short instruction on how to cancel a payment at Qiwi using the help of a service department:
- Go to the official page of qiwi.com and enter your personal account.
- Open the additional menu located in the upper right corner and select the “Help” tab.
- Use the line "There was an error in the details when paying."
- If the payment was made from a computer, describing how the payment was made, indicate “Other way”.
- Fill out the form below and attach a screenshot of the check (it can be easily found in the "Payment History" section).
- Press the “Send” key, wait for the response of the technical support employee and follow the instructions.
An important point! If the transaction was conducted through the terminal, the scheme will be similar. Just a questionnaire will add a couple of additional questions. All this can be found in the check. If you do not have it left, it will be almost impossible to return the spent funds.
Transfer money to the organization
Now we will consider how to cancel a payment at Qiwi when the beneficiary is a legal entity. Most likely, you will not be able to contact the counterparty directly, because the account will be corporate. It is better to immediately contact QIWI technical support and try to convince the payment service administration to return the payment to the sender.
You should prepare in advance for a thorough check and stock up on the maximum number of supporting documents. If this is not the first time you have been working with an organization, you know the accounts of the accounting department or director, you can try to resolve the issue yourself.
Technical error filling data
And how to cancel a payment in a Qiwi wallet when money was transferred through the terminal? Here you need to act immediately.
Carefully study the check issued by the device and find there information about the official representative of Qiwi or the phone number of the company servicing a particular terminal.
Call the indicated number and describe in detail the problem.
Discuss with your operator the options and methods for returning money to your original wallet.
In no case do not get rid of the check before crediting funds. The information contained in it will definitely be needed in case of contentious issues.
An important point! If for some reason there is no check, you can return to the terminal and order a copy of the document. Here it is important to remember which wallet number the payment was made to. If there is no such information, it is impossible to return the funds.
Firms serving the terminals value their business reputation very much. Therefore, difficulties with reverse operations most often do not arise. However, the cancellation of the payment will be possible only when the counterparty has not yet had time to cash out the funds received or to use them in another way.
System failure
Like other electronic services, Qiwi crashes. Then, even with the correct details specified, money does not come to the recipient. How to cancel a payment in Qiwi in this case?
There is only one way out:
- Go to the service support page (qiwi.com/support.action).
- Download a scan of the check and describe the situation in detail.
- Wait for a response from the service or transfer of money. They can be either transferred to the seller or returned to the buyer's account.
Fraud
Since fraudulent actions on the network are a fairly common phenomenon, there is nothing left for the person who transferred the money to an unscrupulous counterpart to cancel the processing of the Qiwi payment.
It is important to write a statement to the police. This does not guarantee a quick return of funds, but allows law enforcement agencies to deal with this phenomenon. In addition, the presence of a statement not only provides the basis for operational action, but also confirms that you not only changed your mind about paying someone, but were deceived by an dishonest person.
Fraud is fundamentally different from a regular payment with erroneous details. Therefore, the technical support service of the payment service allocates such calls in a separate category. It’s called “I faced fraud.” When filling out the questionnaire, pay special attention to the item "Write in detail what happened." Try to specify the maximum amount of information you know. This will help the security service quickly figure out the situation.
Regular payment
If you constantly pay for the same service, you can schedule a regular payment. It is enough to enter the necessary details once and indicate the date of debiting funds. On the last page of the payment, you need to check the box "Schedule payment" and click the "Pay" button. Now, on a certain day of each month, the specified amount will be debited from your account. You just need to confirm the transaction by sending an SMS-code and make sure that at the indicated moment there are enough funds in the account.
And how to cancel the regular payment at Qiwi? Very simple. It is enough to visit your personal account, go to the “Selected payments” section and uncheck the corresponding field.
Money Back Precautions and Difficulties
The developers of the Qiwi Wallet payment service carefully monitor the security of payments and constantly improve the service. But no one is safe from troubles. To minimize risks, you should follow simple rules:
- Never throw the check before the actual transfer of money to the counterparty's account.
- Be very careful and accurate when filling out payment details.
- If an error is detected, do not panic, but start acting as quickly as possible.
There are several other important points that should not be forgotten:
- It is realistic to return money to the original wallet when it is not withdrawn from the recipient's account. If the amount has already been cashed by the recipient or transferred to any third-party account, it will be impossible to cancel the transaction.
- In the absence of a check or the impossibility of restoring it, it will be difficult to prove the fact of payment.
Be careful when making payments and never share your billing information with an unknown person! This is especially true when your wallet has been blocked for various reasons. By agreeing to intermediary services to restore the payment service, you provide personal data to an outsider and provide him with unhindered access to his money.