after shopping, the cardholder refuses to pay for the goods for some reason (such as not receiving the goods, black cards, stolen cards, etc.), and the refusal period is 18 days.

process: the cardholder submits the reasons and materials for refusal to pay to the issuing bank, which will review them and feed them back to the acquiring bank, then forward them to a third-party payment company, such as CASHRUN, and finally reach the seller's side, which takes about 2 weeks. No matter whether the reasons for the cardholder's refusal to pay are established or not, it will be recorded in the personal reputation, which will affect the credit, reduce the loan amount and have a great impact on the cardholder's life. Generally, the probability of refusal in normal shopping is extremely small, and it is easy for black cards and stolen cards to refuse to pay. At this time, it is necessary for third-party payment companies to take risk control measures to control the refusal in a very low range to ensure the transaction safety of merchants. At present, CASHRUN's risk control system is the best in the world. Of course, some domestic companies have started to control the refusal of payment.