Walmart Money Card Dispute: Fill & Download for Free

Walmart money card you have to pay to put onPayPal you never know when someone is going to dispute it and take the money backCash App once the money is transferred it's a done deal. You can use their card or have it transferred to your acct. If you do it instantly it cost you money if you wait a few days its free

Other answers by Dion Lisle and Siddharth Narayanan already address the mechanics of payment transactions (consumer-merchant-acquirer-network-issuer and back again), which should give you some insight into the parties involved in a transaction.TL;DR: In a nutshell: fees generally get paid out in accordance with how much risk each party bears. Since issuers take the bulk of the risk, they also get most of the interchange fee. The acquirer gets a discount rate which is usually less than what goes to the issuer, and the card network gets the smallest slice. There are also allowances made for transaction volume and rewards/incentives (e.g. mileage programs)As for credit vs. debit and who gets how much, there are several factors at play:Consumer Risk - credit transactions are different from debit in that debit gets taken out of one's checking account almost immediately, whereas credit transactions are a short-term loan to you, the consumer, by the issuing bank (the one that issues your credit card). Because is it a loan, there's no guarantee that you will pay it back (most of this risk is accounted for in the APR consumers pay on their credit card balances). More to the point, most credit cards have liability protection for the consumer, which means if a card gets used fraudulently, the consumer is not on the hook for the money. Debit cards, on the other hand, often don't have such protections, so the issuer (bank) has a lower amount of risk on debit transactions than on credit ones. Hence, lower fees on debit cards.Fees also vary based on the type of transaction - card present vs. card not present; debit transactions w/ PIN input vs. debit transaction w/ a simple signature, etc. CP (e.g. in-person) transactions cost less than CNP (e.g. mail, phone, online) because of fraud risk. Same for PIN entries vs. signatures.Again, because most of this risk is borne by the card issuers, they get most of the money. A small amount gets sent to the card network (Visa/MC) and the acquirer takes a "discount rate" charge as well.Merchant Risk - different types of businesses have different interchange rates, based on industry averages for fraud, chargebacks, etc. For example, the adult entertainment industry pays one of the highest rates because there is a higher rate of fraud or chargebacks and disputes ("I didn't buy that movie/toy/etc!") than in other industries. Lower risk merchants/industries pay lower fees.Negotiated Rates - some huge merchants like Walmart and Starbucks have special rates that get negotiated with card networks like Visa and MasterCard. Because they do such huge transaction volume, they often get breaks on both credit and debit fees.Legislation - recently the Durbin Amendment capped the fees that banks can charge for debit transactions. The cap is now at $0.22 per transaction (previously it was variable, with an average of $0.44 per trans). This cap was passed under the guise of protecting consumers, but in reality it will likely just benefit large merchants (e.g. the Walmarts of the world) while hurting consumers and small banks. Most of the fee on a debit transaction gets kicked back to the issuing bank, which is used to pay for things like free checking accounts, marketing, incentive programs and other things. A small amount goes to the card networks again, but most goes to the issuer. Some smaller banks rely heavily on these debit fees and the new legislation might well run some of them out of business. There are some concessions made for small credit unions who would almost certainly perish without debit fees, but it will definitely be a big hit for banks and the card networks. Also, consumers will probably see fewer services and higher fees.Rewards/Incentives - aside from fraud costs, credit cards often have rewards programs to entice consumers. Things like mileage programs and cash back rewards are often subsidized or paid for by the card networks themselves to encourage issuers to use a particular card network (e.g. Visa over MC). Interchange fees are used to pay for these reward programs. This is yet another reason why credit interchange is higher than debit. And within credit cards, different card products cost different amounts (e.g. a "platinum rewards" card which offers more benefits than a basic credit card will probably charge a higher interchange to subsidize its benefits).SummaryThere is no one rule on credit/debit pricing, and the splits for fees vary based on card product, merchant, industry, fraud, etc. Generally, those who take more risk get higher fees.

AliExpress is one of the most horrendously crooked websites I’ve run across, ever. Too frequently sellers are utterly dishonest and cheating buyers right from their listings. AliExpress representatives are no better to protect you, get your money back, or hold the dishonest sellers accountable either in any regard.You can open a dispute, but don’t expect a full refund in any timely fashion. They are lighting quick to take your money and as slow as molasses to process any type of refund. Many times the refunds never occur, and then the litany of excuses and delays follow.Routinely AliExpress will protect the dishonest sellers and you’ll be lucky to get a partial refund of your purchase amount, if anything at all. An appeal of their decision is non-existent (contrary to what their website and non-existant reps tell you). Their website has only a virtual rep to help people, and it’s as useless as a bag with holes in it. They’ll even tell you that you have to wait X amount of days after they’ve made a decision on your dispute before an option shows-up in the dispute logs for you to appeal it. I’m still waiting for that to happen on several transactions, but at this point it’s useless. Many times they have website issues and that option never appears. Even during the dispute process they have an option to submit evidence, but in many cases that icon is never even there, which makes you wonder just how honest they truly are.Your only recourse now is to print all the messages for the dispute, along with a copy of the purchase invoice and the advertised item(s), and then dispute them through your credit card company as falsely (fraudulently) advertising one product and receiving something else. Then you’ll finally get your full refund, and now you can throw-out the junk you’ve received, or smash it with a hammer and safety goggles to take-out some frustration as an exercise in futility for using their website.Honestly, any place that doesn’t take PayPal is one to avoid as much as possible, unless you really have no other option and can dispute the process later through your credit card, with lots of evidence to support your position.Too often products ordered through AliExpress arrive broken, arrive missing parts, arrive as something else not ordered, or just never arrive at all. In a few cases the products ordered have magically appeared almost 1 year later, or in a few cases, well over a year later. Tracking information is another useless thing as many sellers use fake tracking numbers to claim they shipped it to you. Then they claim the product was delivered, but tracking information shows the delivery updates are outside of your ordering date, or within 2 days of being ordered from China, and yet somehow magically appeared on your doorstep as delivered the next day. Sorry, but no-one is that stupid and gullable to believe it, not even the credit card companies.If they can’t sell a product honestly, ship it safely packed, and actually ship it, then they should stop trying to cheat people right from the get-go and stop wasting peoples time and stress.EDIT:Now working on #2 rip-off on AliExpress with another crooked seller. AliExpress reps are non-existent and they only have a useless virtual assitance, which is pretty useless and pathetic.Honestly, stick to eBay, Amazon or Walmart.