Skip to main content

What Happens If a Payment Is Reversed or Charge‑Backed in PyjamaHR? (Account Blocked, Chargeback, and Dispute Resolution Guide)

Updated over 3 weeks ago

Executive Summary

When a payment to PyjamaHR is reversed or charge-backed—often due to a bank dispute, lost card, or marking a charge as fraudulent—your PyjamaHR account is immediately blocked as a security and compliance measure. This article explains exactly what happens, why, and how you can resolve the situation to regain access, including step-by-step instructions and answers to the most common questions.

Detailed Overview

What Is a Payment Reversal or Chargeback?

A payment reversal or chargeback occurs when a customer disputes a transaction with their bank or credit card provider. This can happen for several reasons:
- The card was lost or stolen and the account was frozen (most common scenario in recent conversations)
- The charge was marked as “fraudulent” by the cardholder or bank
- Dissatisfaction with service, leading to a threatened or actual chargeback

In PyjamaHR, when a chargeback is received, the platform:
- Immediately blocks the associated account to prevent further activity
- Treats the charge as potentially fraudulent, in line with industry best practices and compliance requirements
- Requires the dispute to be resolved with the bank before the account can be unblocked

Why Does PyjamaHR Block Accounts After a Chargeback?

  • Security: To protect both the customer and PyjamaHR from potential fraud

  • Compliance: Financial regulations and payment processors require immediate action on disputed or reversed payments

  • Financial Impact: PyjamaHR incurs fines and penalties from banks for chargebacks, even if the dispute is accidental

Integration with Other PyjamaHR Features

  • Billing and Subscription Management: Account status is directly tied to payment status; unresolved disputes halt all premium features

  • User Access: All users under the affected account lose access until the issue is resolved

Business Impact and Benefits

  • Protects your data and finances: Ensures only authorized, verified payments keep accounts active

  • Minimizes risk: Reduces exposure to fraud for both customers and PyjamaHR

Step-by-Step Guide: What To Do If Your Payment Is Reversed or Charge‑Backed

Prerequisites

  • Access to your bank or credit card provider’s support

  • Your PyjamaHR account email and relevant transaction details

Steps

  1. Identify the Reason for the Chargeback
    - Check your bank or card statement for the disputed transaction (look for “PyjamaHR” or “Aurelium Inc.” as the merchant name)
    - Common reasons: lost card, accidental dispute, or marking as fraudulent

  2. Contact Your Bank or Credit Card Provider
    - Request details about the dispute/chargeback
    - If the dispute was accidental (e.g., due to a lost card), ask your bank to close or cancel the dispute and return the funds to PyjamaHR

Screenshot Callout: (Insert screenshot of typical bank dispute/case management screen)

  1. Update PyjamaHR Support
    - Notify PyjamaHR support that you have contacted your bank and are working to resolve the dispute
    - Provide any reference numbers or confirmation from your bank

  2. Wait for Bank Confirmation
    - The bank must officially close the dispute and return the funds to PyjamaHR
    - PyjamaHR cannot unblock your account until the dispute is resolved on the bank’s end

  3. PyjamaHR Account Review and Unblocking
    - Once the dispute is closed and funds are returned, PyjamaHR will manually verify your account
    - Support will raise a ticket to unblock your account (usually within 10–15 minutes after verification)

Screenshot Callout: (Insert screenshot of PyjamaHR support ticket confirmation)

  1. Update Payment Details (If Needed)
    - If your card was lost or replaced, update your payment method in PyjamaHR to avoid future issues

Advanced Usage & Best Practices

Power User Tips

  • Always update your payment method immediately if your card is lost or replaced to prevent accidental chargebacks.

  • Communicate proactively with PyjamaHR support if you know a dispute has been filed in error.

Optimization Strategies

  • Monitor your bank statements for any unfamiliar merchant names (e.g., “Aurelium Inc.” may appear instead of “PyjamaHR”)

  • Set up account notifications in PyjamaHR to alert you of payment issues

Do’s and Don’ts

Do:
- Contact your bank immediately if you see a dispute you didn’t intend
- Inform PyjamaHR support as soon as you take action with your bank

Don’t:
- Attempt to create a new PyjamaHR account to bypass the block (this may violate terms of service)
- Ignore payment issues—unresolved disputes can lead to permanent account closure

Troubleshooting & Common Issues

Common Error Messages and Solutions

  • “Your account has been blocked due to a payment dispute.”

  • Solution: Contact your bank to close the dispute, then notify PyjamaHR support

  • “Unfortunately, we will not be able to unblock your account.”

  • Solution: The dispute must be closed by your bank first; PyjamaHR cannot override this

  • “We normally accept all such chargeback requests and simply close the account in question.”

  • Solution: This is standard practice; only bank resolution can reverse it

What If Scenarios

  • What if my card was lost and I froze my account?

  • You must resolve the dispute with your bank and update your payment details in PyjamaHR

  • What if I want to pay with a new card?

  • The dispute must be closed first; then you can update your payment method

  • What if my bank says the dispute is closed but my PyjamaHR account is still blocked?

  • Provide confirmation from your bank to PyjamaHR support; allow up to 15 minutes for manual review and unblocking

When to Contact Support

  • If you have resolved the dispute with your bank but your account remains blocked

  • If you need to update your payment method after a lost or replaced card

  • If you need documentation for your bank to close the dispute

Comprehensive FAQ

1. Why was my PyjamaHR account blocked after a payment issue?
Your account was blocked because your bank or card provider marked a payment as disputed or fraudulent, triggering an automatic security block.

2. How do I unblock my account?
You must contact your bank to close the dispute and return the funds to PyjamaHR. Once confirmed, PyjamaHR will manually unblock your account.

3. Can I update my payment method to fix this?
Not until the dispute is resolved. After that, you can update your card details in PyjamaHR.

4. What merchant name appears on my statement?
Charges may appear as “PyjamaHR” or “Aurelium Inc.”—check both when speaking to your bank.

5. How long does it take to unblock my account after resolving the dispute?
Typically within 10–15 minutes after PyjamaHR support confirms the dispute is closed.

6. What if I didn’t file the dispute?
Contact your bank immediately to investigate and close the dispute if it was filed in error.

7. Can I create a new account to bypass the block?
No, this is against PyjamaHR’s terms and may result in permanent suspension.

8. Why can’t PyjamaHR unblock my account immediately?
Financial regulations require the dispute to be resolved with the bank first.

9. Will I be charged again after resolving the dispute?
Only if you reactivate your subscription or update your payment method for future billing.

10. What if my bank says the dispute is closed but PyjamaHR hasn’t unblocked me?
Send proof of dispute closure to PyjamaHR support for expedited review.

11. What if I want a refund instead of resolving the dispute?
Contact PyjamaHR support to discuss refund eligibility; do not file a chargeback unless all other options are exhausted.

12. Does a chargeback affect my ability to use PyjamaHR in the future?
Repeated chargebacks may result in permanent account closure.

Related Features & Next Steps

Recommended Next Steps:
- Update your payment method after resolving disputes
- Set up billing notifications in PyjamaHR
- Review your account’s billing history for accuracy

Still have questions?
Contact PyjamaHR Support with your account email and dispute details for personalized assistance.

This article is based on real customer scenarios and PyjamaHR’s current chargeback and account security policies as reflected in recent support conversations (2024).

Did this answer your question?