When paying for purchases in a store, most of us prefer a non-cash method, that is, using a bank card. Indeed, it is fast, convenient and safe. But buyers usually encounter difficulties at the moment when it is necessary to return the purchase, because in this case the money paid for it will be returned to the bank card account from which the money was debited as payment. To the extent that the majority of our fellow citizens, approximately 70%, own plastic from Sberbank, we will consider the conditions under which money for a purchase is returned to a Sberbank card and within what time frame.
Terms for returning goods and money
The legal relationship between the seller and the buyer is regulated by the law on the protection of consumer rights, therefore, in order to know all the nuances of returning goods of inadequate quality, you need to contact him. Briefly about the rights of buyers, they have the right to return the product within 14 days if it does not meet any of the buyer’s requirements. Within the specified time frame, you can return unused clothing or shoes; in this case, the seller is obliged to return the money paid without any obstacles.
If the product is defective, that is, of poor quality, then it can be returned within the warranty period; it is usually established by the seller. In this case, the money can be returned within 10 days, unless the seller has a dispute with the buyer; for technically complex goods, the refund period increases to 30 days. If the seller and the buyer have a dispute about the quality of the product, it first undergoes an independent examination and only after that the seller is obliged to return the money.
If the goods were paid for by credit card, then the time frame for refunding the funds increases due to the fact that the procedure will be somewhat more complicated; we will consider its principles a little later. But first, it must be said that the law regulates a maximum period of 30 days; it is during this period that the funds must be returned to the applicant.
Please note that the terms and procedure for returning funds do not depend on the type of card, debit or credit, that is, the terms are relevant for any of them.
Conditions and grounds
only the holder of a plastic card can contact the store .
Therefore, when purchasing any new product, do not immediately put it aside, but carefully consider, test and check it in action. And, if you are not satisfied with something, do not hesitate to return this product back.
When going to the store you should have with you:
- passport;
- two receipts for the purchase: a cash receipt from a fiscal device and a receipt for withdrawing money from a bank device;
- payment bank card.
What to do if the check is lost?
According to Russian law, you have the right to return the goods even without a receipt, but for this you will definitely need witnesses who can confirm the accomplished fact of the transaction (if necessary, in court).
It's best if they are not your close relatives .
sample application for a refund for a purchase on a card.
Procedure for returning goods
First of all, the period for returning money to a Sberbank card when returning goods is the same for absolutely all buyers - this is 40 days from the date of writing the application. That is, the seller has 10 days to satisfy the buyer’s demands for returning the goods, and on average, the procedure for returning funds to the card account takes 30 days.
Many buyers do not understand such a long refund scheme. But in order to return the money you need to go through several stages. At the first stage, the buyer must return the goods of inadequate quality to the seller and write an application for a refund to the card. To do this, you will definitely need a civil passport, since the application must indicate its data and the details of the bank card from which the funds were debited. As is correct, sellers provide their customers with a standard application for the return of goods and provide assistance in filling it out; at this stage, no difficulties should arise.
How long should I expect to receive funds?
How many days does it take for money to be returned to my bank card? Depending on the efficiency of the work of all structures involved in the process - from the store’s accounting department to the servicing bank - the time frame for receiving money can be 3 days or 40 days .
For example, on a VTB 24 card, in most cases, returns are made within 10-12 days.
But, depending on various circumstances, here too the period may extend to the 30 days stipulated by law.
If it seems to you that the time frame for refunding funds is being delayed , you can contact the store’s accounting department or bank at any time and clarify at what stage the process is and within what time frame each operation on your issue was carried out.
An important exception: when returning an item on the date of purchase, the card payment transaction is simply canceled, and therefore the funds are returned to you as quickly as possible.
How to return money if the goods were paid for in an online store
Users often encounter such situations, because online shopping has become familiar and commonplace for many of us. But the quality of the product does not always fully meet the buyer’s requirements, which means problems arise with refunds. At the same time, online stores, in order to reduce their costs and risks, require customers to prepay via a bank card. If the product needs to be returned to the buyer, the refund process will be complex and lengthy.
Please note that if the purchase was made through an online store, the time frame for returning funds to the card account may take up to 45 - 90 days.
Here the return process will look like this: first of all, the buyer will have to send the goods at his own expense to the seller. Among other things, the seller deducts shipping costs from the amount of your order. We also must not forget the fact that when purchasing from an online store, the buyer has only 7 days to return it; sometimes sellers are reluctant to return money and offer alternative options, for example, replacing the product at a similar price.
The process of returning funds to a Sberbank card when paying for goods in an online store can be completely different. This depends primarily on the seller’s policy, some of them return funds without any problems via a regular transfer to a card, others may delay the procedure and in this case the buyer will have to wait for some time.
Features of receiving cashback from checks
Cashback from checks is almost the same as classic cashback from purchases. This is part of the money spent on the purchase that is returned to the buyer. When receiving cashback from checks, you need to consider some features:
- One receipt can only be used once in the application.
- The cashback service must notify the buyer about which store receipts can be used to get a refund. If this is not specified, you can use receipts from any shopping pavilion or supermarket.
- Checks are limited in duration. They can only be scanned within a day, sometimes two, from the date of payment.
- To receive cashback for offline purchases, you need to download the service’s mobile application.
You can be left without cashback due to inattention or failure to comply with the conditions.
How to make a refund through Sberbank online
Bank clients may encounter this situation if they transfer funds to pay for a purchase to a Sberbank card through an online account, but after a certain point the user of the system may refuse the purchase for various reasons. For example, he has suspicions of fraud on the part of the seller, or he has changed his mind about buying a product and wants to return the money for it in a short time. Not all Sberbank clients know how to do this correctly.
In fact, the process of transferring funds through online banking is quite complex. After all, all payments are made within a certain period. For example, if you make a transaction after 9:00 pm, the money will not be credited to the recipient's account until the next day after 9:00 am. Accordingly, within 12 hours the sender has the opportunity to return the payment.
In order to do this, you need to look at the payment status; if the process has not yet been activated, then you will see the status “Executed by the bank”. In this option, you will be able to click the “Cancel” button. And after this, the funds should be returned to your plastic card account, after which the status will be changed to “The application was rejected .
If the payment was sent instantly, then you can also return the money; to do this, you will need to personally come to the bank and write an application to cancel the transaction. By the way, all these problems can be avoided if you are dealing with conscientious sellers who, at your request, will send funds to your card account without any problems; as a rule, the goods are sent only after prepayment.
Please note that any disputes between sellers and buyers can be resolved through court; in this case, the store that violated the rights of the buyer is obliged not only to return the cost of the goods, but also to pay interest if payment was made from a credit card, as well as a fee for consideration of the court case and penalty.
Let's summarize how to make a refund to a Sberbank card. In fact, the process is not that complicated, although it is quite lengthy. Its complexity only lies in the fact that the process has several stages at once. But if we turn to the law, then every buyer has the right to a refund if he purchased a product of inadequate quality in accordance with the Law “On the Protection of Consumer Rights”, he has the full right to return the goods.
Process from the inside
Often, plastic card holders are unhappy that the money for the returned goods is not transferred to them immediately , on the day of the request.
In fact, this is not a whim of sellers who want to torment the client longer and discourage him from returning the purchased goods.
The return process is a rather complex system , which includes several stages:
- To begin with, the store's accounting department transfers to the bank , with which the agreement for servicing customers' plastic cards is concluded, copies of customers' statements. This stage depends only on the efficiency of the accounting staff and may take several days.
- Then, within 3 working days, a bank employee registers the received application , checking its accuracy and sending it for execution.
- The next day, the relevant department of the bank returns the funds to the correspondent (general) account of the bank in which the buyer’s card was issued.
- The further period for crediting money to the cardholder’s account depends solely on the policy and efficiency of the servicing bank. Typically, commercial units quickly return funds to the card; the operating time of state banks (for example, Sberbank) often reaches the maximum allowable value - 30 working days.
Useful fact: the law sets the deadline for returning funds to the buyer at 10 days. In this case, the store bears responsibility for any violation of the deadline (Article 22 of the Law of the Russian Federation “On the Protection of Consumer Rights” dated 02/07/1992 No. 2300-1).
At the same time, the return period depends not only on the quick actions of the store, but also on the efficiency of payment systems and the bank, so the specified period is very rarely observed and ultimately amounts to up to 40 days.
If a violation of the deadlines prescribed by law is due to the slowness of the bank, the store may demand compensation for losses , and the consumer may demand payment of the penalty from the store.
What to do if the money has not been returned?
Unfortunately, there are cases when the return was not carried out, although all the necessary actions were taken. Then the administrator can contact the bank again and request information about non-repayment.
And the buyer, in turn, can write a complaint to Pyaterochka. To prove that you are right, you just need to get a bank statement indicating that the transfer was not received. After such an action, the store will need to make a second request for a refund to the customer’s account. And after the second time, the money should definitely be returned to the dissatisfied buyer.
How long should I wait for a refund on my card for goods from the Pyaterochka store?
468 lawyers are now on the site Hello! Today, February 23, 2019, my husband and I went grocery shopping at Pyaterochka. When I arrived at the car, I discovered in the receipt that the purchased item was not on sale for us. I went back to the store. They called the store director for me. I explained, gave the receipt and the goods. We paid for groceries with a Sberbank card. The director asked to put the card on the ros_terminal. Said the refund was done. Since I had not encountered such cases before, I took the return receipt and left. I did not receive an SMS notification on my phone. How long will I have to wait? I read a lot of reviews on websites that they did not return money from the five to the card.
February 23, 2021, 22:11, question No. 1917779 Minora, St. Petersburg Collapse Victoria Dymova Support employee Pravoved.ru Similar questions have already been considered, try looking here: for site lawyers. Today, July 23, 2019, we answered 317 questions.
Average response time is 14 minutes. Lawyers' answers (2)
- Lawyer Chat Good evening. The check issued to you contains information about the date and number of the transaction, and the transaction number. If you have not received confirmation of the refund, you can always check whether the operation was completed by calling the bank and providing the information specified on the check. February 24, 2021, 00:07 Was the lawyer’s response helpful? + 0 — 0 Collapse
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- Lawyer, St. Petersburg Chat Good night. When registering a return of goods, the store issues you a receipt, which reflects the number and date of the transaction, information about which, as a colleague indicated earlier, you can obtain from the bank. In practice, returning funds directly from the bank takes a couple of days (that is, not immediately, as when withdrawing a DS). February 24, 2021, 00:29 Was the lawyer’s response helpful? + 0 — 0 Collapse
- 03 September 2021, 18:21, question No. 1741635
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- 17 July 2021, 13:24, question No. 1698110
Can I return food to the store?
Return of low-quality goods Again, there is a reservation in favor of the seller: the user of a low-quality item must prove that defects in the product did not arise because of him. Therefore, it is impossible to do without special expertise.
If the consumer discovers that the product is not functional or is damaged, he can demand that the store return the product, money, replacement, etc. The law provides the consumer with different options, at his discretion. The seller can act in two ways: agree with the buyer or refuse his arguments. In the latter case, the buyer writes a claim, which is reviewed within 10 days. After this, the store must respond and take the consumer’s side, or appoint an examination.
