Dispute and Chargeback Policy
This Dispute and Chargeback Policy explains the process for reporting payment-related concerns, transaction disputes, unauthorized payment claims and chargeback matters related to services provided through ONEMA Foundation, Central Board of Modern Computer Education (CBMCE) and Central Board of Vocational Skill Development (CBVSD).
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CBVSD
Dispute and Chargeback Policy
Last Updated: September 2026
This Dispute and Chargeback Policy applies to payment-related concerns, transaction disputes and chargeback matters involving services provided through ONEMA Foundation, Central Board of Modern Computer Education (CBMCE) and Central Board of Vocational Skill Development (CBVSD).
We are committed to maintaining transparency and making reasonable efforts to address genuine payment-related concerns through appropriate review and communication.
1. Purpose of This Policy
This policy explains the process for handling concerns related to:
- Payment Disputes
- Transaction Issues
- Duplicate Payments
- Incorrect Payments
- Failed Payments
- Pending Payments
- Unauthorized Payment Claims
- Refund-related Concerns
- Chargebacks
- Other Payment-related Issues
Users are encouraged to contact us first so that genuine concerns can be reviewed and resolved where possible.
2. What Is a Payment Dispute?
A payment dispute may arise when a user believes that there is an issue with a transaction.
Examples may include:
- Payment Made but Service Not Updated
- Duplicate Payment
- Incorrect Payment Amount
- Payment Status Issue
- Refund Not Received
- Unauthorized Transaction Concern
- Incorrect Service-related Payment Issue
Each concern will be reviewed based on the available records and applicable policies.
3. Contact Us Before Initiating a Chargeback
If you experience a payment-related issue, we encourage you to first contact the appropriate official support channel.
Many issues can be resolved through direct communication and transaction verification.
Please provide complete transaction details so that the matter can be reviewed efficiently.
4. Information Required for a Dispute
To review a payment dispute, users may be required to provide:
- Full Name
- Registered Mobile Number
- Email Address, if applicable
- Course or Service Name
- Transaction ID
- Payment Date
- Payment Amount
- Payment Method
- Payment Receipt or Screenshot
- Description of the Issue
Additional information may be requested where necessary.
5. Transaction Verification
After receiving a dispute request, we may review:
- Transaction Records
- Payment Confirmation
- Registration Details
- Service Details
- Course Information
- Service Delivery Status
- Communication Records
- Refund Records
- Other Relevant Information
The review process may require additional time depending on the nature of the issue.
6. Duplicate Payment Disputes
If the same payment has been made more than once for the same service, users should report the issue through the official support channel.
The duplicate transaction will be reviewed according to available payment records.
Eligible duplicate payments may be handled according to the applicable Refund and Cancellation Policy.
7. Failed or Pending Payment Disputes
If payment has been deducted but the transaction is not reflected correctly, users should avoid making repeated payments immediately.
The user should retain the transaction details and contact support if necessary.
Some transactions may require additional processing time from:
- Banks
- Payment Gateways
- UPI Providers
- Card Networks
- Other Payment Service Providers
8. Unauthorized Payment Claims
If a user believes that a payment has been made without authorization, the user should immediately:
- Contact the Relevant Bank or Payment Provider
- Secure the Relevant Payment Account
- Report the Concern Through the Official Support Channel
- Provide Available Transaction Details
Unauthorized payment claims may require verification by the relevant financial institution and payment service provider.
9. Refund-related Disputes
If an approved refund has not been received within the expected processing timeline, users may contact us with the relevant transaction details.
The matter may be reviewed based on:
- Original Transaction
- Refund Status
- Refund Reference
- Payment Method
- Available Processing Records
Refund matters will also be governed by the applicable Refund and Cancellation Policy.
10. Chargeback
A chargeback is generally a payment dispute initiated through a bank, card issuer or payment service provider.
Where a chargeback is initiated, relevant transaction and service records may be reviewed as part of the applicable payment dispute process.
Users are encouraged to contact us first whenever possible to allow direct review of the issue.
11. Chargeback Review
In the event of a chargeback or payment dispute, relevant records may be used for review, including:
- Transaction Details
- Payment Confirmation
- Invoice or Receipt
- Registration Records
- Service Records
- Course Enrollment Records
- Service Delivery Information
- Communication Records
- Refund Records
- Applicable Terms and Policies
Information may be provided to the relevant payment service provider or financial institution where required for the dispute process.
12. Services Already Availed
A payment dispute or chargeback request may be reviewed in relation to whether the applicable service has already been provided or substantially delivered.
This may include:
- Completed Registration
- Course Enrollment
- Training Access
- Digital Services
- Examination Services
- Certificate Processing
- Documents Issued
- Other Successfully Delivered Services
The availability and status of the service may be considered during the review process.
13. False or Misleading Claims
Users should provide accurate and genuine information when submitting a payment dispute.
Any claim involving:
- False Information
- Misrepresented Transactions
- Fraudulent Documents
- Incorrect Statements
- Services Already Availed but Incorrectly Disputed
may be reviewed according to applicable records and procedures.
14. Resolution Process
Payment-related concerns may be resolved through one or more of the following actions:
- Transaction Verification
- Payment Status Update
- Service Status Update
- Correction of Records
- Refund Review
- Refund Processing, where Approved
- Communication with the Payment Provider
- Other Appropriate Administrative Action
The appropriate resolution will depend on the nature of the issue.
15. Resolution Timeline
The time required to resolve a dispute may vary depending on:
- Nature of the Dispute
- Transaction Type
- Availability of Records
- Bank Processing
- Payment Gateway Processing
- Additional Verification Requirements
Users are requested to provide complete information to help avoid unnecessary delays.
16. Supporting Documents
Users may be required to provide supporting documents, including:
- Payment Receipt
- Transaction Screenshot
- Bank Reference
- Registration Details
- Service Information
- Communication Records
- Other Relevant Documents
Submission of a dispute request does not automatically guarantee a refund or reversal.
17. Payment Provider and Bank Involvement
Certain disputes may involve external financial institutions or payment service providers.
These may include:
- Banks
- Payment Gateways
- UPI Providers
- Card Networks
- Wallet Providers
The final processing of certain transactions, reversals or chargebacks may depend on the procedures of the relevant provider.
18. Communication During a Dispute
We may contact users through available official communication channels regarding a dispute.
Users should provide accurate contact information and respond to reasonable requests for additional details where necessary.
Communication may take place through:
- Mobile
- Phone
- Official Website
- Student Portal
- Other Authorized Channels
19. No Guarantee of Refund or Chargeback Outcome
Submitting a dispute, complaint or chargeback request does not automatically guarantee:
- Refund Approval
- Payment Reversal
- Chargeback Approval
- Cancellation of a Service
Each matter may be reviewed based on transaction records, service status, applicable policies and relevant procedures.
20. Related Policies
This policy should be read together with our:
- Terms and Conditions
- Payment Policy
- Refund and Cancellation Policy
- Privacy Policy
- Other Applicable Service Policies
Where applicable, specific service terms may also apply.
21. Policy Updates
This Dispute and Chargeback Policy may be updated or modified from time to time.
The latest version may be published on the relevant official website.
Users are encouraged to review this policy periodically.
22. Contact and Support
For any payment dispute, chargeback-related concern or transaction issue, please contact us through the official communication channels available on the relevant website or platform.
Please provide complete transaction details to help us review your concern efficiently.
23. Final Declaration
By making a payment or using an applicable service, the user acknowledges that payment-related concerns, disputes and chargeback matters may be reviewed according to:
- Transaction Records
- Service Delivery Records
- Applicable Payment Procedures
- Refund and Cancellation Policy
- Payment Policy
- Terms and Conditions
- Other Applicable Organizational Policies
We are committed to maintaining transparent procedures and making reasonable efforts to address genuine payment-related concerns fairly and responsibly.