{"id":145384,"date":"2018-11-14T08:27:45","date_gmt":"2018-11-14T07:27:45","guid":{"rendered":"http:\/\/zakrasnejsivimperk.cz\/?p=145384"},"modified":"2018-11-14T08:27:45","modified_gmt":"2018-11-14T07:27:45","slug":"sdruzeni-obrany-spotrebitelu-moravy-a-slezska-platba-kartou-na-internetu-jak-se-chranit","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=145384","title":{"rendered":"SDRU\u017dEN\u00cd OBRANY SPOT\u0158EBITEL\u016e MORAVY A SLEZSKA: Platba kartou na internetu, jak se chr\u00e1nit?"},"content":{"rendered":"

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Platby kartou na internetu jsou dnes st\u00e1le popul\u00e1rn\u011bj\u0161\u00ed, p\u0159in\u00e1\u0161\u00ed toti\u017e v\u011bt\u0161\u00ed pohodl\u00ed, rychlost, ale i \u0159adu dal\u0161\u00edch v\u00fdhod. Kl\u00ed\u010dovou ot\u00e1zkou pro tyto transakce ov\u0161em z\u016fst\u00e1v\u00e1 bezpe\u010dnost a obava ze zneu\u017eit\u00ed karty. Pokud z\u00e1kazn\u00edkovi nedoraz\u00ed objednan\u00e9 zbo\u017e\u00ed, je odk\u00e1z\u00e1n na b\u011b\u017en\u00fd reklama\u010dn\u00ed proces.<\/h6>\n

\"\"Pokud obchodn\u00edk nekomunikuje, m\u016f\u017ee vyu\u017e\u00edt mimosoudn\u00edho \u0159e\u0161en\u00ed spor\u016f a pokud nebude \u00fasp\u011b\u0161n\u00e9, pak pom\u016f\u017ee jen soud. Pokud v\u0161ak z\u00e1kazn\u00edk platil kartou, jeho \u0161ance na vr\u00e1cen\u00ed finan\u010dn\u00edch prost\u0159edk\u016f se rapidn\u011b zvy\u0161uj\u00ed. M\u016f\u017ee toti\u017e za\u017e\u00e1dat o pomoc svou banku a po\u017eadovat navr\u00e1cen\u00ed sv\u00fdch prost\u0159edk\u016f.<\/p>\n

Stejn\u011b jako nap\u0159\u00edklad pan\u00ed Marie, kter\u00e1 nav\u0161t\u00edvila na\u0161i poradnu\u00a0Sdru\u017een\u00ed obrany spot\u0159ebitel\u016f Moravy a Slezska, z.s.\u00a0s \u017e\u00e1dost\u00ed o pomoc. Pan\u00ed Marie se rozhodla zakoupit boty na n\u011bmeck\u00e9m e-shopu. Tento internetov\u00fd obchod vypadal velmi d\u016fv\u011bryhodn\u011b, na\u0161la na n\u011bj i kladn\u00e9 recenze. Vybran\u00e9 boty zaplatila kartou a o\u010dek\u00e1vala jejich dod\u00e1n\u00ed. \u010cekala trp\u011bliv\u011b n\u011bkolik t\u00fddn\u016f na objednanou a zaplacenou z\u00e1silku, bohu\u017eel boty nedorazily. P\u0159es formul\u00e1\u0159 na str\u00e1nk\u00e1ch e-shopu se sna\u017eila prodejce kontaktovat, p\u0159i\u010dem\u017e po\u017eadovala dod\u00e1n\u00ed zbo\u017e\u00ed nebo vr\u00e1cen\u00ed pen\u011bz, v\u0161e v\u0161ak marn\u011b. Prodejce nereagoval.<\/p>\n

Po bli\u017e\u0161\u00edm prozkoum\u00e1n\u00ed e-shopu zjistila, \u017ee nikde nejsou uvedeny \u017e\u00e1dn\u00e9 identifika\u010dn\u00ed \u00fadaje o prod\u00e1vaj\u00edc\u00edm ani \u017e\u00e1dn\u00e1 konkr\u00e9tn\u00ed adresa.<\/p>\n

Jak\u00e9 m\u00e1 pan\u00ed Marie nyn\u00ed mo\u017enosti? Pokud prod\u00e1vaj\u00edc\u00ed nen\u00ed ochoten \u010di schopen svou povinnost splnit, m\u016f\u017ee spot\u0159ebitel od kupn\u00ed smlouvy odstoupit a dom\u00e1hat se vr\u00e1cen\u00ed zaplacen\u00e9 kupn\u00ed ceny. V p\u0159\u00edpad\u011b, \u017ee prodejce nereaguje, m\u016f\u017ee se obr\u00e1tit na soud. Existuje ale i dal\u0161\u00ed cesta jak se domoci vr\u00e1cen\u00ed zaplacen\u00e9 \u010d\u00e1stky. Za\u017e\u00e1dat u banky \u2013 vydavatele platebn\u00ed karty, jej\u00edm\u017e prost\u0159ednictv\u00edm bylo za zbo\u017e\u00ed placeno, o slu\u017ebu\u00a0Chargeback.\u00a0Tato slu\u017eba m\u00e1 nejvy\u0161\u0161\u00ed vyu\u017eit\u00ed pr\u00e1v\u011b p\u0159i probl\u00e9mech s\u00a0nepoctiv\u00fdmi provozovateli e-shop\u016f a to i s\u00a0t\u011bmi zahrani\u010dn\u00edmi.<\/p>\n

CHARGEBACK<\/strong><\/p>\n

Chargeback jist\u00ed platby kartou<\/strong><\/p>\n

Platili jste tak\u00e9 p\u0159i n\u00e1kupu platebn\u00ed kartou a\u00a0obchodn\u00edk v\u00e1m nedodal objednan\u00e9 zbo\u017e\u00ed \u010di slu\u017ebu nebo jste obdr\u017eeli odli\u0161n\u00e9, \u010di neorigin\u00e1ln\u00ed zbo\u017e\u00ed? Pak i vy m\u016f\u017eete vyu\u017e\u00edt chargeback (tj. zp\u011btn\u00e9 za\u00fa\u010dtov\u00e1n\u00ed). Tento n\u00e1stroj je jednou z\u00a0hlavn\u00edch v\u00fdhod platebn\u00edch karet. Ov\u0161em\u00a0pozor, t\u00e9to mo\u017enosti lze vyu\u017e\u00edt opravdu jen p\u0159i platb\u011b kartou, nikoli kdy\u017e zaplat\u00edte bankovn\u00edm p\u0159evodem.<\/p>\n

Co je Chargeback?<\/strong><\/p>\n

Chargeback je bankovn\u00ed slu\u017eba, kter\u00e1 vze\u0161la z iniciativy Evropsk\u00e9ho spot\u0159ebitelsk\u00e9ho centra. V\u00a0sou\u010dasn\u00e9 dob\u011b ji poskytuj\u00ed prakticky v\u0161echny banky. Tento \u00a0bankovn\u00ed n\u00e1stroj umo\u017e\u0148uje spot\u0159ebitel\u016fm za jist\u00fdch podm\u00ednek z\u00edskat zp\u011bt pen\u00edze za uskute\u010dn\u011bnou platbu u nedodan\u00e9ho zbo\u017e\u00ed. M\u00e1 funkci jak\u00e9si \u201cpojistky\u201c a je zcela zdarma! Kdo v\u00e1m vlastn\u011b pen\u00edze vr\u00e1t\u00ed? Nemus\u00edte slo\u017eit\u011b z\u00edsk\u00e1vat pen\u00edze od nepoctiv\u00e9ho obchodn\u00edka, vr\u00e1t\u00ed v\u00e1m je p\u0159\u00edmo va\u0161e banka. Chargeback je univerz\u00e1ln\u00ed slu\u017eba a funguje po cel\u00e9m sv\u011bt\u011b. M\u016f\u017eete ji tedy vyu\u017e\u00edt nejen pro reklamaci n\u00e1kup\u016f v \u010cesk\u00e9 republice, ale nap\u0159\u00edklad i p\u0159i cest\u00e1ch do zahrani\u010d\u00ed.<\/p>\n

Kdy m\u016f\u017eete slu\u017ebu Chargeback vyu\u017e\u00edt!<\/strong><\/p>\n

Slu\u017ebu Chargeback m\u016f\u017eete vyu\u017e\u00edt hned v\u00a0n\u011bkolika p\u0159\u00edpadech. Jedn\u00edm z\u00a0nich je dod\u00e1n\u00ed po\u0161kozen\u00e9ho \u010di odli\u0161n\u00e9ho zbo\u017e\u00ed, kter\u00e9 jste si u dan\u00e9ho obchodn\u00edka objednali. Samoz\u0159ejm\u011b tak\u00e9 p\u0159i nedod\u00e1n\u00ed zbo\u017e\u00ed v \u0159\u00e1dn\u00e9 lh\u016ft\u011b. Mezi dal\u0161\u00ed p\u0159\u00edpady pat\u0159\u00ed i technick\u00e9 probl\u00e9my, nap\u0159. kdy\u017e v\u00e1m bankomat nevyd\u00e1 po\u017eadovanou hotovost a p\u0159esto v\u00e1m ji banka na\u00fa\u010dtuje, p\u0159i n\u00e1sobn\u00e9m na\u00fa\u010dtov\u00e1n\u00ed jedn\u00e9 a t\u00e9 sam\u00e9 \u010d\u00e1stky nebo kdy\u017e se stanete ob\u011bt\u00ed podvodu a va\u0161e karta je zneu\u017eita.<\/p>\n

Co mus\u00edte ud\u011blat a jak to funguje?<\/strong><\/p>\n

Je pot\u0159eba vyplnit \u017e\u00e1dost o proveden\u00ed Chargebacku a dodat i ve\u0161kerou dokumentaci k\u00a0p\u0159\u00edpadu, to znamen\u00e1 objedn\u00e1vku, v\u00fdpis z platebn\u00ed karty a tak\u00e9 komunikaci nebo pokus o komunikaci s\u00a0podnikatelem, od kter\u00e9ho \u017e\u00e1d\u00e1te vr\u00e1cen\u00ed pen\u011bz. Banka p\u0159ed\u00e1 v\u0161echny z\u00edskan\u00e9 dokumenty bance nepoctiv\u00e9ho obchodn\u00edka a po\u017e\u00e1d\u00e1 o vr\u00e1cen\u00ed pen\u011bz z jeho \u00fa\u010dtu.<\/p>\n

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SDRU\u017dEN\u00cd OBRANY SPOT\u0158EBITEL\u016e MORAVY A SLEZSKA<\/strong><\/p>\n

Ilustra\u010dn\u00ed foto: pixaba<\/p>\n

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 <\/p>\n","protected":false},"excerpt":{"rendered":"

  Platby <\/p>\n","protected":false},"author":2,"featured_media":145549,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[88],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/11\/14\/r\u00e1me\u010dek-platba-kartou-1.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/145384"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=145384"}],"version-history":[{"count":2,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/145384\/revisions"}],"predecessor-version":[{"id":145550,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/145384\/revisions\/145550"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/145549"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=145384"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=145384"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=145384"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}