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What if you received extra electronic money in the payment system?

The number of users of payment resources on the global Web is increasing daily. Such sites significantly improve the quality of customer service. The absence of queues and making transactions in a comfortable environment, without leaving the computer monitor, are clear advantages of using payment systems. However, in this case, the emergence of unforeseen situations is possible. For example, if extra money came to an electronic wallet. What to do in this situation? Is it worth hiding this fact and what consequences threaten the user in the future?

Reasons for the appearance of someone elses amount on the account

Cases of surplus money flowing to virtual wallet accounts are not a regularity. Such situations do not happen often. Reasons why an erroneous transfer of digital funds may occur:

Failure of the payment resource. Technical work on services can be carried out for several reasons. These include site upgrades, database changes, or server upgrades. If at the time of the transaction, the site became temporarily unavailable, then the client may find excess electronic money on the account.
Incorrect entry of the purse number by the sender. Lack of focus when filling out an application for a money transfer can lead to an annoying mistake. Just one wrong digit in the virtual wallet number may result from the transfer of a certain amount to someone elses wallet.
Credit program. For example, WebMoney Transfer is a credit exchange. Any owner of a dollar wallet can get a loan. The only condition is the presence of a certificate, not lower than the entry level. So, lending can be done by a client who has free funds on his account to issue a loan. If the user received extra money, then one of the reasons may be an incorrect input of the recipients digital wallet number. As you know, funds are issued for a specific period and must be returned before its end. In case of default, WebMoney Keeper is blocked.
Fraudulent activities. Continuing the topic of loans, it is worth noting that in order to get a tidy sum on your wallet, you need a passport or an identity document. Some attackers can take advantage of customer data to their advantage. The owner of a digital wallet is given a loan in the form of extra electronic money, without his explicit participation, and hackers select a password for accessing this account to misappropriate other peoples funds. Another type of fraudulent activity can be transfers of amounts for the commission of illegal actions: trade in drugs, weapons and other prohibited items. Here the client acts as an intermediary.


What actions need to be taken?

Definitely, you need to take all possible actions to return someone elses amount. After all, misappropriation of funds is not an interpretation of one of the articles of the Criminal Code of Russia, but a blatant fact of the lack of aesthetics and common sense.

If you received extra money to the wallet, you need to contact the technical support of the payment service. On the official page of the site there is a form with the contact details of the administration. You can write a letter in which you need to describe in detail the reason for the appeal, indicate the number of the electronic purse, the date and time of receipt of unknown funds. Customer support can be contacted by landline or mobile phone.

The solution to the problem may take several months, however, the client will be completely sure that there is no responsibility. Surely the technical support will express its gratitude to the conscientious user of the payment resource for providing information on the receipt of excess electronic money. If the funds are left in the account or spent on their own needs, then the participant will face serious problems with the law: from the return of the appropriated money in full to the onset of criminal punishment.

And in conclusion, it is much more correct to follow the laws of integrity and ethics, which in the future will save the user from unpleasant consequences.