Odix Pay strives to provide the best possible support to our customers, including helping with chargeback requests to minimize potential losses.

When to Submit a Chargeback Request

ATM Withdrawal Failed But Funds Deducted
If you attempt to withdraw cash from an ATM using your Odix Pay physical card but do not receive any cash, and your Odix Pay account is still charged, you may request a chargeback.
Merchant Refusal to Refund
If you are charged due to fraud (e.g., the merchant does not fulfill the contract, does not ship the product, or does not provide the agreed-upon service) and refuses to issue a refund, you may apply for a chargeback.

Important Notes

Time Limit for Chargeback: You must submit a chargeback request within 60 days from the transaction settlement date. Requests submitted after this period will not be eligible.
Chargeback Fee: Each chargeback request carries a 50 USD fee.
Submit Transaction Information: To improve the likelihood of a successful chargeback, please provide detailed and accurate transaction information when submitting your request.
Processing Time: Chargeback requests typically take 3-6 months to process.
Success Rate: While Odix Pay will make every effort to assist, we cannot guarantee that every chargeback request will be successful.
Irrevocability: Once submitted, chargeback requests cannot be revoked, and chargeback fees are non-refundable.

3DS Transactions: Chargebacks cannot be filed for transactions verified via 3D Secure (OTP/authentication app). Always verify the legitimacy of the merchant and the accuracy of the purchase details before completing 3DS transactions.

EMV Transactions: Transactions made with EMV Chip Cards, Apple Pay, cannot be disputed. These secure transactions are considered final once authenticated.

Please fill out the following details when applying for a chargeback:

1. Transaction Details:

2. Cardholder Information:

3. Card Details:

4. Dispute Reason:

Provide a clear and detailed explanation of the reason for the dispute (e.g., unauthorized transaction, billing error, non-receipt of goods/services, etc.):

5. Supporting Documentation:

Any evidence supporting the dispute claim (e.g., receipts, invoices, emails, shipping/tracking information, proof of cancellation, etc.):

6. Communication with Bank:

Documentation of attempts to resolve the issue directly with the bank (e.g., emails, letters, chat logs, video, recording, etc.):

7. Statement or Transaction History:

A copy of the card statement or transaction history showing the disputed transaction.

8. Police Report or Affidavit (if applicable):

9. Timeline of Events: