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Paymate has implemented several safeguards and uses world-class technology and specialist services to address the risk of Internet fraud, especially in the use of credit cards. Paymate does not provide your credit card details to the seller and all such sensitive data is held securely in encrypted form (see our Privacy & Security policies). We constantly review both buyers and sellers, their credit card and bank accounts and their payment behaviour to minimise these risks.
If the payment is identified as risky by Paymate, we may contact the buyer and seller for more information or simply turn down the transaction - this is for your own protection. We will also turn down the transaction if the buyer’s bank declines the payment.
When a credit card buyer is not satisfied with the goods received,Paymate recommends that a buyer attempt to resolve their dispute with the seller.
Your auction site provider or online marketplace may help resolve such disputes. Most auction site providers also insure against non-delivery or misrepresentation of goods - buyers must explore all these options before initiating a charge-back.
Paymate can terminate services to buyers who fraudulently initiate charge-backs or do so without having attempted to resolve disputes according to these guidelines.
To initiate a chargeback via Paymate please use this form with all details of the transaction including the Paymate Transaction ID. Merchants will need to save and provide proof of delivery of the product or service should a chargeback be raised against them.
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