Everything you need to know about chargebacks in India — how they work under RBI and NPCI rules, how to raise one, how to dispute one as a merchant, and how AllUpiPay protects you throughout the process.
A chargeback is a forced reversal of a payment transaction initiated by the cardholder's bank (issuing bank) on behalf of the customer. Unlike a voluntary refund issued by the merchant, a chargeback is a formal dispute mechanism regulated by payment networks, card schemes, and — in India — by the Reserve Bank of India (RBI).
In India, the chargeback ecosystem is shaped by multiple regulatory and operational authorities including the RBI and NPCI.
Many customers confuse chargebacks with refunds. They serve a similar outcome but operate through different mechanisms.
Always attempt to resolve directly with the merchant first before filing with your bank.
Challenge illegitimate chargebacks by submitting a representment with evidence through your dashboard.
AllUpiPay provides a built-in dispute management system for both customers and merchants.
UPI disputes fall under NPCI's UDIR framework with a 30-day dispute window.
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