What is the difference between Refund & Chargeback ?

[SENPAY98K]

title says it all.

[gwait]

Refund is when you follow the official procedure where they agree to give you your money back in return for the game you purchased.

Chargeback is where the money is forced to come back via your bank. This could be used as fraud or if someone made unauthorised purchases using that credit card for example. Steam punishes for this.

[Cathulhu]

The first is done by going through the proper channels in Steam Support
The latter is done by forcefully charging back the money from Steam by disputing the transaction with your payment processor. Which also causes a hefty fine for Steam, which is why they react rather negatively towards people not only stealing the money they are obliged contractually, but also the fine which can be multiple times of that what the game has cost.

[SENPAY98K]

Postat inițial de gwait:

Postat inițial de Cathulhu:

Thanks i got it

[SENPAY98K]

how much will it take a non-tradable gift to be unable to charge it back? for example playtime ?

[gwait]

A person can perform a chargeback regardless of playtime. It is a force withdrawal of funds.

[Cathulhu]

There is no set time and playtime has nothing to do with it. Depends on the payment processor.
For future reference, if something does not fit into a single trade window, don't do such a "trade".
Only trade for games that are tradeable. Game gift copies can be traded 30 days after purchase. At this point pretty much every payment processor would inquire why someone waited that long to dispute the charge.

[SENPAY98K]

someone has a gift i need, he told me that he bought it before a months but yet still not tradable and that is a bug !!
he is lying right ?

[Cathulhu]

Then he is lying. Do not believe such stupid tales. Look for someone who's more honest.
Never ever do trades with someone who's clearly a liar. They most likely want to scam you.

[SENPAY98K]

ahh thank you