Post-Payment Fraud Process

What Happens If Fraud Occurs After Payment?

What Happens If Fraud Occurs After Payment?

When a Cardholder Reports Fraud:

1. The payment partner immediately freezes the card

2. A new card is issued (excluding the current balance)

3. Delivery occurs within 3-5 business days

4. Provider conducts a fraud investigation

5. Findings are released after 14 business days

6. If fraud is confirmed: stolen funds are restored to the new card

7. If fraud is not confirmed: no reimbursement is provided

When Payment Partners Detect Suspicious Activity:

1. The cardholder is contacted to verify suspicious charges

2. If charges are denied, the card is frozen

3. A new card is issued (excluding the current balance)

4. Delivery occurs within 3-5 business days

5. A thorough investigation follows

6. Findings are released after 14 business days

7. Confirmed fraud cases result in fund restoration

8. Unconfirmed cases receive no reimbursement

What Happens When Fraud Is Suspected