If we talk about sending money, you may want to know some information about chargeback. What is chargeback? Where is the address to send chargeback in JPay? We will give you some information about it here.
What is a Chargeback?
According to Investopedia, a chargeback is a charge which is restored to a payment card after a customer successfully disputes an item on their account statement or transactions report. A chargeback may be able to happen on debit cards and the underlying account or on credit cards. Chargebacks can be given to a cardholder for a variety of reasons.
According to Ebanx, a chargeback is the act of a customer filing for the return of their funds directly with the bank. If a buyer makes a purchase, they pay the amount which is required for the transaction. However, on occasion, the customer will request the money back from the merchant. This thing can happen for some reasons. Some of them are payment processing error, fraud and commercial disagreement.
In the US, chargeback reversals for debit cards are set by Regulation E of the Electronic Fund Transfer Act. Chargeback reversal for credit cards are set by Regulation Z of the Truth in Lending Act.
How does a chargeback work? After you have made a purchase, as a customer, you will contact the bank and ask for the money back. Before the chargeback request becomes official, it needs to fulfill the criteria which are established by the bank. The chargeback request can occur for some reasons. However, it is the responsibility of the issuing bank to inform the merchant of the request alongside a reason code. A possible problem here in the procedure is that the reason code may not always be accurate. If the chargeback refers to commercial disagreement or auto-fraud, it is able to be disputed so as to help the merchant recoup the money.
It is considered that credit card chargeback is a consumer protection.
The Address of Chargeback JPay
When we tried to find the information about chargeback in JPay, there was not much information that we could get. The information that we found related to chargeback is that if you have filed a chargeback and denied a payment that you yourself sent with a credit or debit card, it can be the reason why the inmate cannot get funds from you via credit or debit card. If these things happen, you are able to contact your bank and reverse the chargeback. If you do this, you will be able to continue sending funds to the inmate.
In the Money Order Deposit form, there is a statement that if JPay receives a money order and there is a problem with the deposit, JPay will mail the money order and deposit slip back to the address which is available on the deposit slip.
Where is the address to file a chargeback in JPay? You are able to contact the JPay customer service at (800) 574-JPAY (5729).
In the Payments Terms of Service, it is written that JPay is not responsible for any fees or charges that may be imposed by the financial institution which is associated with your Payment. Let’s say that some credit card issuers may treat the use of your credit card to be able to buy the service as a cash advance rather than a purchase transaction and may charge additional fees and interest rates for the transaction. Furthermore, it is also written that JPay is not responsible for any non-sufficient funds charges, chargeback fees or the other same charges that may be imposed on you by your bank, credit card issuer or other provider.
The Methods of Sending Money in JPay
Talking about chargeback, one of the services in JPay which is related to chargeback is sending money. JPay provides some methods for you to be able to send money. What are the methods? Here they are.
The first one is sending money via online payments. You are able to transfer money to an inmate online by using the website of JPay.
- You need to access the homepage of the JPay website. On the Navigation menu, the thing to do is to click on Send Money.
- On the page of Send Money, you have to do the following things. In the Transfer Category list, you must select a transfer category and then click on the Continue. If there is no Transfer Category, you have to click on Continue.
- Now, you have to choose your payment method by choosing a previously saved card from the Selected Card list or you are able to click on the Use a New Credit/ Debit Card to use a new card.
- In the Enter Amount field, you have to enter the amount of money that you want to send to the inmate and then click on Continue.
- Look at the Payment Verification box. You have to make sure that the information is correct and then click on Submit.
The second method to send money is via phone. You can call 1-800-574-5729.
The third method is sending money via MoneyGram. You can find MoneyGram service in Walmart, CVS Pharmacy or 7-11. The things that you need to use this service are the correctional ID number and last name of inmate and the facility name or receive code.
The fourth method is sending money via Money Order. If you use this method, make sure that the coupon that you download corresponds to the state where you will send the money order. The things that you need for sending money via Money Order are a cashier’s check or money order and the JPay money order coupon for the state where you will send the money order. You are able to download the JPay coupon in the Money Order page on JPay website.
The fifth method to send money to inmates in JPay is through lobby kiosks. Lobby kiosks can be found at the facility where your inmate is located. If you choose this method, you are able to use a credit card at the lobby kiosks to send money to an inmate.