Payment Failed in offline store

PAYMENT FAILED IN OFFLINE STORE UNDERSTANDING THE PROCESS AND SOLUTIONS

At Ajfan International, we follow the standard guidelines set forth by the Reserve Bank of India (RBI) to ensure secure and efficient transactions. Customers can purchase products using various payment methods, including POS (Point of Sale) machines, cash, and other authorized systems. However, like any transaction process, payment failures can sometimes occur. This article outlines the potential reasons behind these failures and provides guidance on how to resolve them.

 Reasons for Payment Failure

Failed transactions can stem from multiple factors, generally categorized into consumer-related issues, merchant-induced setbacks, technical problems, and bank-related complications.

1. CONSUMER-RELATED ISSUES

- Incorrect Data Entry: Errors like entering the wrong card number, expiration date, or CVV can result in an immediate rejection of the payment.

- Insufficient Funds: If the customer’s account doesn’t have sufficient funds to cover the purchase, the transaction will fail.

- Expired or Canceled Cards: Payments will be declined if the card used has expired or has been canceled by the issuing bank.

- Security Flags: Unusual spending patterns may trigger the bank’s fraud detection system, leading to a transaction decline.

 2. MERCHANT-INDUCED SETBACKS

- System Glitches: Technical problems on the merchant’s payment system, such as software bugs or server downtime, can disrupt transactions.

- Payment Gateway Errors: Misconfigured payment gateways or outdated software can result in failed payments.

- Fraud Detection Systems: Overly sensitive fraud detection measures may mistakenly flag legitimate transactions, causing them to be declined.

 3. Data Transmission Errors

- Network Issues: Problems with data transmission between banks and payment gateways can cause confusion, where payments seem to fail even though the funds have been deducted.

- Timeouts and Connectivity Problems: Any disruptions during the communication between the merchant’s system and the bank can result in a failed transaction.

 4. Bank or Card Issuer Issues

- Transaction Not Allowed: The bank may block a transaction due to account restrictions or fraud alerts.

- Account Flags: If the customer’s account is flagged for suspicious activity, the bank may block the transaction until the issue is resolved.

 5. Other Factors

- Invalid Billing Address: A mismatch between the entered billing address and the one registered with the bank can result in payment rejection.

- Unsupported Payment Methods: Certain payment gateways may not support the chosen payment method, leading to a failed transaction.

What to Do If the Payment Fails

In the event of a payment failure where the amount is debited from the customer’s account, the following steps outline the resolution process:

1. Wait for Auto-Refund:

  If the payment fails but the amount is debited, the customer should wait for 24 hours. In most cases, the amount will be automatically refunded to the original account within this period.

2. Contact Customer Care:

   If the refund is not processed within 24 hours, the customer can raise a query by contacting our customer care at:

   - Email: customercare@ajfan.in  

   - Phone: 7034900009  

   - Branch: The store where the purchase was made.

3. Complaint Processing Timeline:

First-Level Confirmation (within 48 hours):

  Once the complaint is registered, our team will verify the transaction and provide a confirmation within 48 hours.

Second-Level Confirmation:

After confirming with the accounts department, if the amount has been credited to our company account, the refund will be processed within 48 hours. The refund will be credited to the customer’s account within 10 to 15 Indian bank working days.

 Third-Level Confirmation:

 If the amount is not credited to our company account, the customer will need to raise a query with their bank to initiate an investigation on their end. This process can take 10 to 20 Indian bank working days.

 Final Thoughts

While payment failures can be frustrating, understanding the underlying reasons and the resolution process can help mitigate concerns. Ajfan International remains committed to following RBI regulations and providing a seamless shopping experience for our customers. If you encounter any issues, our customer service team is here to assist you and ensure a swift resolution.