Disputes & Security
Chargeback, void, authorization-reversal, and PCI DSS terms for card-payment exceptions, evidence, and data security.
Card issuance, ATM access, merchant acquiring, authorization, settlement, chargeback, and payment-control terms.
Card payments connect a cardholder and issuer with a merchant, acquirer, payment network, and processor. The visible purchase is only one part of the process: authorization, capture, clearing, settlement, posting, refund, and chargeback are separate events with different records and risk owners.
Card Products and ATM Access explains how debit, prepaid, gift, cash-back, and related card features are funded and used. Merchant Acquiring and Authorization covers merchant accounts, acquirers, and approval controls. Card Disputes, Reversals, and Payment Security follows voids, chargebacks, transaction evidence, and payment-data security. RuPay applies those distinctions to NPCI’s Indian card payment network and explains how an eligible RuPay credit card can also fund supported UPI merchant payments.
For analysis or reconciliation, identify the transaction status and inspect the corresponding evidence: authorization log, receipt, capture file, processor report, settlement batch, account statement, refund record, or chargeback notice. Treat an approval as a real-time issuer decision, not proof that the merchant has received final funds.
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Chargeback, void, authorization-reversal, and PCI DSS terms for card-payment exceptions, evidence, and data security.
Account-linked, prepaid, gift, store-value, and cash-back card terms for purchases, cash access, rewards, fees, and transaction risk.
Merchant acquiring, card authorization, holds, merchant accounts, settlement funding, and offline-acceptance controls.
RuPay is NPCI's Indian card payment network for routing and processing eligible debit, credit, prepaid, ATM, point-of-sale, and online card transactions.