AP has recently changed their terms and conditions.. Please make yourself aware. Read below:
AlertPay members may only submit one dispute per transaction. Submitting multiple disputes for a single issue may result in the closure of the dispute without resolution. Disputes between you and a Buyer must be reported through Customer Support at www.helpdesk.alertpay.com or by calling 1-514-748-5774 from 9:00 a.m. to 5:00 p.m. EST, Monday through Friday. Claims must be filed within 30 days of the completed payment.
When handling a dispute, AlertPay will take into consideration the Seller's Terms of Service to which you agreed at the time of purchase. If the service or product has not been delivered as stated, AlertPay's policy will be used in place of the Seller's Refund Policy.
About Chargebacks and Associated Fees
A chargeback occurs when the Sender contacts their debit/credit card issuer to dispute certain charges made through their credit card or bank account, depending on payment or depositing method. Any account that receives fraudulent funds or funds that have been disputed by the Sender will be reversed. If you receive funds in your account from the Sender's credit card or bank account and the credit card or ACH transaction is reversed, you agree to hold AlertPay harmless for the reversal fee and agree to reimburse AlertPay immediately by any means necessary. Chargebacks, returns and reversals may lead to immediate account termination and/or a $37 penalty fee.
About Funds Recovery
If another User disputes a payment made to your AlertPay account by chargeback, AlertPay will retrieve the funds from the Sender's account, if available. If the funds are not available, we will deduct them from the receiver's AlertPay account. Furthermore, you authorize AlertPay to retrieve any disputed funds by bank transfer to recover the lost funds. If you received the amount by check, you agree to pay the negative balance in your AlertPay account. Otherwise, we will have to involve a collections agency in the funds recovery process.
Contacting the Seller
Before filing a claim, you must contact the Seller and attempt to resolve the dispute on your own. Most disputes are solved with proper communication. If you cannot resolve the dispute this way, you can submit a ticket regarding your dispute through AlertPay's Support Center.
Submitting a Dispute to the Support Center
If one member files a dispute against another, AlertPay's Resolutions Department will mediate the situation. AlertPay will only intervene if there is a clear policy violation. AlertPay's involvement and final decision protects Buyers from fraudulent Sellers and protects Sellers from false allegations of fraud.
If your Seller is a Business account holder, you should review their refund policy and Terms of Service. If after reviewing the refund policy and TOS you believe that the Seller failed to provide the Product as stated and/or if you are entitled to a refund as stated by the Seller, you may file a complaint.
AlertPay will send a "Contact Request" to the seller in hopes of resolving the issue. The buyer must respond to this email if the issue has not been resolved, otherwise the dispute will be closed. Furthermore, it is not permitted to alter either party's email reply; all information, including emails, should be included in their original format. We ask that all email communications take place using the same email address as the one used to open the dispute.
If your claim is justified, AlertPay will attempt to collect funds from the Seller. Funds recovery is not guaranteed. There may not be sufficient funds in the Seller's account to cover your claim. If we are not successful in recovering funds, you have no claim against us.
Both parties agree to a binding resolution rendered by AlertPay. AlertPay reserves the right to limit resolution requests if the User has not done due diligence on the Seller prior to making a purchase or sending funds. Once a dispute has been closed, it cannot be re-opened or disputed again. Any online income opportunity, such as Multi-Level Marketing, is considered risky. Returns on these online income opportunities are not guaranteed nor are transaction resolutions for members who have participated in them.
Very importantly, members investing in high-risk programs, such as MLMs, should only send/receive payments from the same payment processor. If you invest through another payment processor and accept payments through AlertPay and any issues arise, only AlertPay records will be used to determine the outcome of the issue, such as when a member receives payments through AlertPay while investing through another payment processor. To us, this appears that the seller is cashing out through this individual and that their funds are at risk of reversal.