为了提升用户体验，RedotPay会尽最大努力为用户申请Chargeback，减少用户损失：
申请Chargeback的场景：
ATM取现失败但资金已被扣除：如果用户试图使用RedotPay的实体卡在ATM机上取款，但是没有取到现金，但是RedotPay账户资金被扣除，且银行不提供退款。
商家不退款：如果用户因为被欺诈（如商家未履行服务、没有发货或者没有提供约定的服务等）而产生了扣款，商家不提供退款。
用户可以联系RedotPay客服确认该交易是否可以申请Chargeback。如果客服确认交易可以申请，用户需要提供所有相关的信息，客服会帮助用户提交Chargeback申请。
请注意：
Chargeback申请的时间限制：一旦交易完成，用户需要在60天内（从交易清算时间开始计算）向RedotPay提交Chargeback申请。超过这个时间窗口将无法申请Chargeback。
Chargeback费用：每笔Chargeback申请费用是50美元。
提交交易信息：在申请Chargeback时，需要用户提供关于交易的详细信息。提供详尽和准确的信息将有助于提高申请的成功率。
处理时间：每笔请求的处理时间通常为3-6个月。
成功率：RedotPay并不能保证每笔Chargeback请求都会成功。
注意事项：Chargeback提交后不支持撤销，Chargeback费用不支持退回。
附件（您也可以联系RedotPay客服获取相关文档）：
ATM提现失败，请填写以下资料:
Chargeback_request_information
1.Transaction Details:
- Transaction ID:
- Transaction date:
- Transaction amount:
- Bank name:
2. Cardholder Information:
- Cardholder registered email:
- Full name of the cardholder:
- Billing address:
3. Card Details:
- Card number (last 4 digits):
- Expiration date:
4. Dispute Reason:
- Provide a clear and detailed explanation of the reason for the dispute (e.g., unauthorized transaction, billing error, non-receipt of goods/services, etc.):
5. Supporting Documentation:
- Any evidence supporting the dispute claim (e.g., receipts, invoices, emails, shipping/tracking information, proof of cancellation, etc.):
6. Communication with Bank:
- Documentation of attempts to resolve the issue directly with the bank (e.g., emails, letters, chat logs, video, recording, etc.):
7. Statement or Transaction History:
- A copy of the card statement or transaction history showing the disputed transaction.
8. Police Report or Affidavit (if applicable):
9. Timeline of Events:
- A clear and chronological timeline of the events leading up to the dispute.
商家交易相关请填写以下资料：
Chargeback_request_information
1. Transaction Details:
- Transaction ID:
- Transaction date:
- Transaction amount:
- Merchant name:
- Description of the goods or services purchased:
2. Cardholder Information:
- Cardholder registered email:
- Full name of the cardholder:
- Billing address:
3. Card Details:
- Card number (last 4 digits):
- Expiration date:
4. Dispute Reason:
- Provide a clear and detailed explanation of the reason for the dispute (e.g., unauthorized transaction, billing error, non-receipt of goods/services, etc.):
5. Supporting Documentation:
- Any evidence supporting the dispute claim (e.g., receipts, invoices, emails, shipping/tracking information, proof of cancellation, etc.):
6. Communication with Merchant:
- Documentation of attempts to resolve the issue directly with the bank (e.g., emails, letters, chat logs, video, recording, etc.):
7. Statement or Transaction History:
- A copy of the card statement or transaction history showing the disputed transaction.
8. Police Report or Affidavit (if applicable):
9. Timeline of Events:
- A clear and chronological timeline of the events leading up to the dispute.