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Understanding Invalid Reversal: What Happens When Your Payment Fails

Banking world • 16 May 2024

When you make an online payment with your PaySika Visa card and it fails, you may receive an invalid reversal message. But what does this term actually mean and what are the next steps to take? In this article, we will explain in detail what an invalid reversal is and how it can impact your transaction.

What is Invalid Reversal :

 When you make a payment online, the merchant site sends a unique code to your card issuer (PaySika) to authenticate the transaction. Sometimes, due to circumstances beyond PaySika’s control, the merchant site sends an incorrect code, resulting in an “invalid reversal”. It’s important to note that this message doesn’t always mean that the payment failed. In some cases, the merchant can finally validate the transaction and request payment from PaySika via Visa, even after a reversal invalid.

Resolution Process at PaySika

PaySika is committed to promptly resolving issues encountered by its users. It may happen that PaySika pays the relevant amount immediately to ensure customer satisfaction. However, the merchant can also request the payment again via Visa, which results in a double payment from PaySika. So to avoid losing money, we decided to respect the deadlines imposed by Visa.

What are the Payment Deadlines imposed by Visa:

To allow the merchant to confirm or permanently invalidate the transaction, Visa has established a settlement period of 7 to 30 days. If the merchant does not submit a claim within this period, the funds are automatically returned to your account.

To conclude:

While this can be frustrating, it’s important to be patient during this time. Settlement terms are put in place to ensure fair resolution of transactions. We encourage you to contact us if you have any concerns or questions about a reversible invalid on your PaySika card.

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