Dispute Governance & Risk Defense

BizLiveGo Chargeback & Payment Dispute Policy

Institutional protocols governing credit card chargebacks, UPI dispute reconciliations, friendly fraud defense, electronic evidence submissions, merchant mediation workflows, and our strict 7 to 15 working days financial resolution SLA.

Direct Dispute Resolution Chargeback Defense Lifecycle Merchant Evidence Standards

Risk Operations Desk: BizLiveGo | Operator: MD Joshim Biswas | Malda, WB, India - 732206 | Version: 2026.1

1. Statutory Foundations

Commercial Banking & Card Network Governance

This Chargeback & Payment Dispute Policy establishes binding procedures for investigating, arbitrating, and resolving contested payment transactions between BizLiveGo (operated by MD Joshim Biswas) and cardholders or account subscribers.

Our dispute operations align strictly with Reserve Bank of India (RBI) circulars on digital payment transactions, National Payments Corporation of India (NPCI) UPI dispute resolution guidelines, and card network operating rules (Visa, Mastercard, RuPay, American Express).

2. Philosophy

Direct Amicable Redress Before Bank Contestation

We prioritize swift, bilateral dispute settlement over adversarial interbank chargebacks:

Direct Speed: Our billing desk investigates and rectifies legitimate errors within 24 to 48 hours, avoiding 60-to-90 day bank freezes.
Zero Intermediary Deductions: Direct reconciliations eliminate bank-imposed penalty charges ($15–$35 chargeback fees).
Account Protection: Bilateral resolution protects buyer account standing, preventing automated platform suspension.

3. Dispute Protocol

Mandatory Direct Contact & Friendly Fraud Prevention

How subscribers must initiate transaction inquiries prior to bank escalations:

1. First-Contact Notice

Subscribers agree to notify our billing desk at support@bizlivego.com regarding any disputed charge, duplicate debit, or unrecognized transaction descriptor before contacting their issuing bank or filing a formal chargeback.

Inquiries are acknowledged within 24 hours with immediate priority audit review.

2. Bank Statement Descriptors

Transactions across our platform appear on bank and card statements as "BIZLIVEGO", "BIZLIVEGO-SAAS", or alongside our acquiring gateway tags (e.g., "RZP*BIZLIVEGO", "CASHFREE*BIZLIVEGO", or "STRIPE*BIZLIVEGO").

Recognizing our descriptor prevents accidental "unrecognized merchant" claims.

3. Friendly Fraud Defense

Filing an unannounced chargeback after actively utilizing our digital profile publishing engines, generating vector QR codes, or downloading web layout templates constitutes "friendly fraud" (first-party misuse) under card network rules.

BizLiveGo defends all valid transactions with comprehensive audit logs.

PCI-DSS & Financial Data Defense

4. Anti-Fraud Safeguard: Strict Prohibition on Transmitting Financial Secrets

To protect buyers and digital subscribers from identity theft, unauthorized debits, and card skimming, BizLiveGo enforces strict input sanitization across all dispute correspondence:

Never Disclose in Dispute Tickets

Customers must never communicate via support tickets or emails:

Full 16-digit debit or credit card numbers, CVVs, or card expiration dates.
UPI security PINs, net banking passphrases, or one-time verification codes (OTPs).
National identity credentials (Aadhaar, PAN, SSN, Passport numbers) or unredacted ID scans.

Tokenized Dispute Reconciliations

All dispute reviews execute strictly within secure aggregator systems:

Disputes are tracked using opaque gateway Payment IDs, Order IDs, and masking truncated card suffixes (e.g., ending in 1234).
BizLiveGo application servers store only non-sensitive order tokens and transaction metadata.
All dispute communications and evidence transmissions are encrypted via TLS 1.3.

5. Dispute Lifecycle

The Chargeback Lifecycle & Impact on Active Accounts

What occurs when an issuing bank registers a formal transaction retrieval or chargeback:

Step 1: Notice

Gateway notification:

Bank notification issued
Funds held in escrow
Automated risk alert logged
Merchant response clock starts

Step 2: Freeze

Security suspension:

Profile URL paused (402)
Dynamic QR routing locked
Subdomain access held
Pending dispute review

Step 3: Evidence

Representment compilation:

Access IP telemetry compiled
Timestamped login logs
Terms acceptance proof
Submitted to issuing bank

Step 4: Verdict

Bank arbitration:

Won: Services restored
Lost: Permanent account ban
Fraud blacklist reported
Case closed & confirmed

6. Evidence Production

Compelling Evidence Submitted to Issuing Banks

In accordance with Visa Core Rules and Mastercard Dispute Resolution Management, BizLiveGo automatically provides rigorous digital proof to counter unjustified chargebacks:

Session Telemetry: Timestamped IP logs, browser user-agents, and ISP geolocations used during account registration, payment, and subsequent profile edits.
Service Delivery Logs: Proof of immediate provisioning, including live URL activation, dynamic QR generation timestamps, and template download logs.
3-D Secure Authentication: Gateway authorization tokens proving successful 3DS / OTP multi-factor verification by the cardholder's issuing bank.
Terms Acceptance: Clickwrap consent audit trails capturing exact timestamp and version of Terms & Conditions accepted at checkout.

7. Fraud Consequences

Consequences of Unjustified or Fraudulent Chargebacks

Subscribers who file fraudulent chargebacks for actively utilized digital services face strict administrative consequences:

Permanent Blacklisting: The associated user account, registered domains, and billing email addresses are permanently barred from the BizLiveGo network.
Chargeback Fee Recovery: A mandatory administrative handling fee of ₹1,500 / $25 USD is levied to cover gateway representment and arbitration costs.
Credit Reporting: Fraudulent chargebacks may be reported to merchant fraud syndicates and legal recovery channels under applicable consumer law.

8. Legitimate Grievance

Recognized Legitimate Payment Inquiries

BizLiveGo promptly rectifies legitimate billing errors without requiring formal bank mediation:

Duplicate Transaction Debits: Multiple debits for a single subscription tier caused by network timeouts or double-submissions are refunded 100% in full.
Billing Post-Cancellation: Charges occurring after a confirmed self-service cancellation timestamp are instantly reversed upon verification.
Service Provisioning Failure: Verified platform inability to provision profile URLs, subdomains, or download files within 48 hours qualifies for immediate reimbursement.

9. Settlement SLA

7 to 15 Working Days Direct Settlement SLA

For all amicably resolved billing disputes, duplicate transaction corrections, or cooling-off claims:

Gateway refund APIs are triggered within 24 to 48 hours of verification.
Interbank clearing channels credit funds to the original payment instrument within 7 to 15 working days.
Official Acquirer Reference Numbers (ARN) or UPI Transaction References (UTR) are provided for tracking with your bank.

Quick Summary

Chargeback & Payment Dispute Policy Quick Reference

Consolidated review of dispute resolution standards, chargeback lifecycles, and risk operational benchmarks:

Dispute Dimension	BizLiveGo Operational Implementation	Governing Standard
First-Contact Requirement	Mandatory direct email/ticket notice to support@bizlivego.com prior to bank filing.	Commercial Mediation Standard
Statement Descriptors	Identified as "BIZLIVEGO", "BIZLIVEGO-SAAS", "RZPBIZLIVEGO", or "STRIPEBIZLIVEGO".	Bank Descriptor Transparency
Profile State During Dispute	Digital profiles and dynamic QR routing are frozen during active bank dispute reviews.	Security & Risk Control
Merchant Evidence Submitted	3DS authorization logs, IP telemetry, service provisioning proofs, and terms acceptance.	Visa/Mastercard Dispute Rules
Friendly Fraud Consequences	Immediate account termination, domain blacklist, and ₹1,500 / $25 administrative recovery.	Loss Prevention Protocol
Duplicate Billing Redress	Direct 100% full reversal via gateway within 24 to 48 hours upon verification.	Error Correction Standard
Prohibited Credentials	Card CVVs, PINs, net-banking passwords, and national identity documents strictly barred.	PCI-DSS Level 1 / Zero-Retention
Direct Settlement SLA	Amicable dispute reversals settled to original funding source within 7 to 15 working days.	Statutory E-Commerce SLA

Have a Disputed Charge or Unrecognized Debit?

Before calling your bank or initiating a chargeback, reach out to our dedicated dispute desk. We can identify the transaction, correct billing errors, or issue direct refunds faster than interbank dispute cycles.

Open Dispute Ticket WhatsApp Support support@bizlivego.com

Dispute Resolution Desk: BizLiveGo | Masimpur, Post-Mosimpur, P.S. Kaliachak, Malda, West Bengal, India - 732206 | Direct Helpline: +91 7001100494