Dispute process for payment methods
This document outlines the dispute process applicable to merchants utilizing various payment methods across different regions. Typically, the process involves a retrieval request, refund escalation, and chargeback.
Ant International maintains the right to take precautionary measures against merchants who are actively fraudulent, participate in criminal activities, or are enforced by authorities. Such measures may include delaying the payment of net settlement amounts, suspending payment processing, and implementing compulsory netting of payments. Within the scope permitted by relevant laws, Ant International must notify merchants and explain the reasons before exercising any rights to defer payment, suspend transactions, and force netting.
The following table shows the dispute process of different payment methods.
Payment Method | Dispute Process |
Alipay+ payment method | Retrieval request and refund escalation |
APM | Retrieval request, refund escalation, and chargeback |
LatAm Local Card | Retrieval request and chargeback |
Europe Local Card | Retrieval request and chargeback |
Korea Local Card | Retrieval request and chargeback |
International Card | Retrieval request and chargeback |
Table 1. Dispute process of payment methods
Notes:
- No dispute process: The Ant International dispute operation team will not handle dispute cases for merchants. However, payers can contact merchants directly and resolve disputes through the merchants' Customer Service and processes.
- APM: Alternative Payment Method (APM) refers to a payment method other than credit/debit cards and Alipay+ payment method.