on July 17, 2023 an unquthorized person was allowed to empty my mother&39;s safe deposit box at Vystar Credit Union. As a sponsor bank, ECS mandate charges would be 7. There has been no fee charged to either my Vystar or my Bank of America account. Terms & Conditions effective from January 2017. Next, call your bank or credit union and say you have revoked authorization for the company to take automatic payments from your account. Incorrect account details. Identity-based verification can another device that canister run a customer&39;s information against blacklists that contains and contact both personal data to potential fraudsters. Or call 904-777-6000. VyStar Credit Union 76 S. ECS NACH return charges. Schedule a transfer. ACH routing numbers are used for electronic transfers and withdrawals. Tap the 'Wallet' icon 2. For example, if the expiration date on a debit card reads 0723, then the card cannot be used for any purpose after July 2023. 27, 2018, racking up a total of 96 in NSF fees for one transaction. Essentially, ACH return codes happen when the money is being taken back or. Bank of America states on their list of fees that they charge 3 for ACH transfers to outside. Chronicles that equal the data on a blacklist can trigger an automatic decline for an transaction, reducing of occasion from an ACH return. Oh they say it&x27;s all working but I&x27;m getting regular monthly charges denied and I can&x27;t get any answers why. I'm sure normal salary ac holders of hdfc are charged for ach return unless you are imperia customer. R02 Account closed. An ACH return happens when a bank returns an electronic funds transfer (EFT) to the originating institution. Identity-based verification is another tool that can executes a customer&39;s news against blacklists is contain the contact and personal data of ability fraudsters. , Jacksonville. fnal payment is not received, we may charge your account for the amount of such items or ACH transfers and impose a return item charge on your account. Fees & Benefits. SunTrust ACH Routing Transit Number is 061000104. Bank name. 7 (source www. VyStar Visa Debit Card Agreement. May 20, 2022 Vystar Credit Unions web and mobile banking platforms have been down for one week, and the company still doesnt have an answer on when the issue might be resolved. The is there. (Recurring transfers will need a start and an end date). Accounts is vergleiche the data on one blacklist can activation an automatic decline with and financial, reducing the possibility of an ACH returning. Stop Payment Fee 4. Access and manage your accounts on your computer or smartphone. Short for Automatic Clearing House, ACH numbers are unique to each bank in the US. About Fiserv. 00 Outgoing Wire Distribution 20. Note International Payments to and from Vystar Credit Union will go through an intermediary bank which also charges fees (8 15) for its services in additional to fees mentioned above. 450 (Sr Citizen - Rs 400) 2nd r- Rs. , Jacksonville. Identity-based confirmation is another tool that cans run a customer&39;s information against blacklists that contain the contact or personal intelligence of potential fraudsters. levied as per correspondent Bank Charges, w. Reduce your invoicing and accounting paperwork by scheduling payments to and from vendors, employees, and more. 1,000 per transaction. Some providers may charge any number of additional (and potentially hidden) fees. ACH Origination Credits & Debits. Charge waived if one of the following is maintained monthly a) 2,500 aggregate savingschecking balance. The need to return an ACH entry received in the Credit Gateway may result due to errors. An ACH occurs when a transaction made through the ACH network gets rejected by the receiving bank and is returned to the original one. Look through the instructions to discover which data you will need to provide. ACH Official Check (Six or Fewer in 12 months) Statement & Check Copies e-Statements (Electronic Statement) ATM Access VyStar Branch and Remote ATMs VyStarSurcharge-FreeNetwork (20,000 ATMs Nationwide at Specific Retailers) (Costs at non-VyStar ATMsnetworks can vary depending on the ATM owner. We have financed multiple cars, a home, and started 3 of our 4 children out with checkingsaving accounts and our 2 adult children have now started financing their cars with VyStar. Banks may prescribe charges not higher than cheque return charges for ECS debit returns. To do this, the cardholder must first demonstrate that they attempted to resolve the issue with the merchant before filing the dispute. Reach out to us at auditepcor. 1- per thousand. 200 (plus taxes as applicable) (for all card types) ATM Debit Card Card - Transaction Charge. Identity-based certification be additional tool that can run a customer&39;s information against user that contain the contact and personal data of potential fraudsters. What are ACH return codes Every time an ACH return happens, the originator will be sent an ACH return code. For example, if the expiration date on a debit card reads 0723, then the card cannot be used for any purpose after July 2023. ACH credit With an ACH credit, also known as a direct deposit, you push funds from your bank account into an employees or vendors bank. This Rule defines an Egregious Violation as A willful or reckless action, and. Click on the Submit button. Feb 21, 2023 ACH holds allow banks to verify that funds are in place before approving the transaction. With ACH returns, for example, the RDFI is responsible for initiating the return entry or the return for the total amount of the original payment (partial returns are not permitted). The ACH routing number will have to be included for sending an ACH transfer to any VyStar account. 27, 2018, racking up a total of 96 in NSF fees for one transaction. An ACH occurs when a transaction made through the ACH network gets rejected by the receiving bank and is returned to the original one. This percentage is calculated based on ACH debit returns for the preceding 60 days on the following return reason codes R05, R07, R10, R11, R29 and. Terms & Conditions effective August 2021. Call 1 (800) 449-7728 during non-business hours. For example, in 2014 the CFPB reported that opted-in accounts are three times as likely to have more than 10 overdrafts per year as accounts. Nov 24, 2022 An ACH return occurs when ACH payments sent to a merchant cannot complete the transfer into the intended merchant account or RDFI. Upon rejection, the original entry is returned, usually within two. You can find this information on your checks or by logging into your VyStar online banking account. This fee is similar to the cost that comes with a bounced check. Make A VyStar Payment. SBI ECS ACH Return Charges -. Identity-based inspection can another tool that can run adenine customer&39;s information against blacklists that contain one contact and personal data of potential fraudsters. Offer not available on existing VyStar auto loans. You might need one number to receive ACH transfers, and another to set up automated bill. The lowest 12-month return was -43 (March 2008 to March 2009). Call the IRS toll-free at 800-829-1040 (for individual taxes) or 800-829-4933 (for business taxes) to explain why the direct deposit is being returned. If you need help with your VyStar account, you can call our Contact Center at 904-777-6000 or 800-445-6289. Billing so match the data on a blacklist can trigger an automatic decline for the transaction, reduction the possibility von at ACHINESS return. Your VyStar Representative may ask you for additional information if its needed to perform the wire transfer. I a. How to Schedule a Payment Select the from account and to account from the list of connected accounts. The complaint notes that this was attempted again by VyStar on Nov. Click &39; Wallet&39; (on the top menu bar) 3. Once your accounts are connected Select the to account and the from account from the list of connected accounts. Up to 15,000 per month. 5 percent. Bank that match the data at a blacklist can trigger an automatic decline for and transaction, reducing the possibility of an ACH return. Similar to bounced checks, there are fees and risks involved in ACH returns. You&39;ll need to include the ACH routing number when sending an ACH transfer to any VyStar account. In the message shown here, the scammer asks you to verify a purchase they KNOW you didn't make and then even continues to communicate back and forth -- which is something VyStar would NEVER do via text. fnal payment is not received, we may charge your account for the amount of such items or ACH transfers and impose a return item charge on your account. I went to the Oakleaf branch of VyStar in order to get a motorcycle loan. If they don't ad. 16, 2022, the first phase of the Rule takes effect. EST; What are the ways I can pay non-VyStar loans and credit show von my VyStar checking account. MONEY MOVEMENT FEES BILLING EVENT FEE ACH Return Charge 25. ACH Direct Payments and Deposits is a secure Internet service available 24 hours a day, seven days a week. American National Palladium MYG. 25 or less but carry significantly lower risk of loss of principal balances. ACH payments typically take a few days to process, but the payments are quite manageable. Bank address, city and state. Transfer Fee. My Account Log in to your VyStar account to access Online & Mobile Banking. 5 per transaction. 00- per entry. Short for Automatic Clearing House, ACH numbers are unique to each bank in the US. ACH Direct Deposit ACH Direct Deposit to Debit Card 8 Check ACH Return 9 (Based on refund methods elected above. We have financed multiple cars, a home, and started 3 of our 4 children out with checkingsaving accounts and our 2 adult children have now started financing their cars with VyStar. ACH holds allow banks to verify that funds are in place before approving the transaction. ACH Official Check (Six or Fewer in 12 months) Statement & Check Copies e-Statements (Electronic Statement) ATM Access VyStar Branch and Remote ATMs VyStarSurcharge-FreeNetwork (20,000 ATMs Nationwide at Specific Retailers) (Costs at non-VyStar ATMsnetworks can vary depending on the ATM owner. How to Make a Transfer. Then select the frequency of the transactions. Recurring payments allow you to collect a set amount of money on specific dates, such as twice monthly or monthly. An ACH return tends to happen when a registrant enters bank information to make a payment, but the bank rejects the transaction for a variety of reasons, the most frequent of which are as follows Insufficient funds. Access and manage your accounts on your computer or smartphone. Members must provide the receiving-institution&39;s wire instructions and information for the recipient of the wired funds. The return gets processed, usually taking two bankings days. And still members. You may notify us by telephone, in writing, or by the secure chat service in our Online & Mobile Banking website. Identity-based verification can next tool that can run a customer&x27;s information towards check that contain the contact and personal data of potential fraudsters. The system went down on May 13 for a planned conversion to a new platform -- the bank. All items or Automated Clearing House (ACH) transfers credited to your account are provisional until we receive fnal payment. ECS ACH (Debit) Return Charges Return in a month. Maranda L. How to Schedule a Payment Select the from account and to account from the list of connected accounts. ACH RTN Charges or ACH return refers to the charge or fee associated with an Automated Clearing House (ACH) return. You will also pay the processing fee you have agreed to with Stripe. Apart from the wire transfer fees, if the transfer involves currency conversion, banks make money on currency conversion as well by giving retail. Feb 21, 2023 ACH holds allow banks to verify that funds are in place before approving the transaction. PayPal instant transfer limit. Some providers may charge any number of additional (and potentially hidden) fees. R01 Insufficient funds. The company doesnt have prepayment penalties, but it does charge several other fees. During a transaction dispute, the funds from the original transaction may be forcibly removed from the merchants account and returned to the cardholder. See online account center for custom card FAQs and the Deposit Account Agreement for more details. sent via ACH and posted within 60 days of loan funding to qualify for the 0. 80, Senior Citizen - 72-. Access and manage your accounts on your computer or smartphone. SBI ECS ACH Return Charges -. ECS ACH Return Charges. All ACH return reason codes consist of the letter R followed by two. In this case, the merchant will receive a three-character ACH return code from the RDFI, which translates to the reason for the return. ACH return charge 25. When an ACH transfer is returned, there is an ACH return fee. You can also use a voided check to set up automatic electronic payments, including ongoing expenses such as rent and bills. The is there. Terms & Conditions effective May 2017. This program protects both partiesit allows your customer peace of mind. on July 17, 2023 an unquthorized person was allowed to empty my mother&39;s safe deposit box at Vystar Credit Union. Stop Payment Fee 4. org to schedule an ACH Audit. For example, a "lack of authorization" return often results in a fee for the RDFI, whereas returns due to insufficient funds are likely to incur a fee for the customer&39;s account. Friday marks three weeks since VyStar Credit Union rolled out its new online banking platform. 3 billion credit union are still reporting problems. Specifically, Vystar unlawfully assesses multiple NSF Fees on a single ACH item. An ACH occurs when a transaction made through the ACH network gets rejected by the receiving bank and is returned to the original one. From desktop, start at the Pay & Transfers dropdown. 00 No Monthly Service Charge if you meet any one of the following 500 average monthly balance in this account 500 in qualifying1 monthly direct deposits to this account during the statement period. Direct deposits are transfers into an account, typically used for things like payroll, government benefits, and other financial transactions. An advanced setup feature is available to limit the report to specific entries SEC codes, number of entries, forward, return, NOC, debit, credit, Same Day settlement. The Lofts Orland RENT 24. Your loan can be paid in full in person at a branch, by check, via ACH or wire. Incorrect account details. In other words, a wire transfer is your best option f you need to make an urgent payment or. , Jacksonville. If you are having issues with MagicTouch VyStar asks you to email your member number, account number (s), and phone number to socialsupportvystarcu. Key Takeaways. org to schedule an ACH Audit. Learn More Remote Deposit Capture For faster, more secure deposits, just scan checks with a desktop scanner and deposit them electronically with our Remote Deposit Capture (RDC) service. ACH Direct Payments and Deposits is a secure Internet service available 24 hours a day, seven days a week. These are just a few of the abbreviations used on your bank statement to explain more about the transactions which have occurred. Information that must be provided on an ACH transaction to Fiscal Service is specified in Appendix 2 for ACH credits. The wire network, however. 450 (Sr Citizen - Rs 400) 2nd r- Rs. Contact your credit union or bank. Follow up by writing a letter or an e-mail. Short for Automatic Clearing House, ACH numbers are unique to each bank in the US. The ECS RTN charges meaning is simple. 1st - Rs. 10 Per Entry Item. Box 45085 Jacksonville, FL 32232-5085. 70 Join Insider Sign In. Sep 8, 2022 This Rule will define and standardize practices and formatting of Micro-Entries, which are used by ACH Originators as a method of account validation. Upon qualifying, your Monthly Fee will be automatically lowered. Its a 45 minute phone wait, 30 minute internet chat wait and lord knows how long the in person wait is. In 2007, the national average for a credit union overdraft fee was 29. This percentage is calculated based on ACH debit returns for the preceding 60 days on the following return reason codes R02, R03 and R04. Provident Checking Monthly Service Charge. Our How to transfer money 101 quick reference guide, downloadable at the link below, covers these topics How to transfer money in Alliant online banking. ECS ACH (Debit) Return Charges Return in a month. 1; Location of This Business 76 S Laura St, Jacksonville, FL 32202-3433. Rather than being handled by credit card networks and payment processors, these transfers are sent from bank to bank through an automated clearing house. View account details at-a-glance. Members must provide the receiving-institution&39;s wire instructions and information for the recipient of the wired funds. If you do business in Canada, Canada Revenue Agency (CRA) requires you to do GST or HST returns. 00 Per check Investment Related Equity & ETF Trades Domestic (Edge Program) 0. For most cardholders, the easiest way to dispute a charge is to contact their issuing bank through their preferred customer service channel. Recipient&x27;s account number. Schedule transfers and bill payments. With BillMatrix, you can easily pay your utility, auto loan, insurance or mobile phone bill just to name a few. It is also the 13 th largest credit union in the nation. ACH Debit VS Credit. If you select "I used my bill pay at usbank. JACKSONVILLE, Fla. 5 - 30. ACH charges kya hota hai ACH Automated Clearing House NACH (National Automated Clearing House) . 05 0. 175 Branches Nationwide. Consumer Schedule of Service Charges and Fees Standard Checking RDAOPC11-1223 Page 1 of 4 Effective December 2, 2023 All Markets. The ACH return, generally, is sent by the RDFI, but the ODFI or ACH Operator may sometimes send an ACH return message in rare cases. A stop payment. Call 1 (800) 449-7728 during non-business hours. While ACH returns and reversals exist in the ACH payment network, they adhere to different rules. This Rule defines an Egregious Violation as A willful or reckless action, and. This payment system deals. It is also the 13 th largest credit union in the nation. Upon qualifying, your Monthly Fee will be automatically lowered. However, these calls and texts are fraud. ACH charges are o. R03 Unable to locate account or no account. I have started with sip in mutual funds (Groww) using auto-pay option. b) 1,000 Direct DepositAutomatic Pay. That means when PayPal tried to debit your account for the purchase, you didnt have enough so youll see the debit, a credit and a 30 fee. Step 1 Log In to Your PayPal Account. An ACH return tends to happen when a registrant enters bank information to make a payment, but the bank rejects the transaction for a variety of reasons, the most frequent of which are as follows Insufficient funds. Companies sometimes refer to it by other names like automatic bill payment, automatic debit, electronic bill payment, e-check or direct debit. Enter date or select it from the calendar. ACH Origination Credits & Debits Reduce your invoicing and accounting paperwork by scheduling payments to and from vendors, employees, and more. Ans Primarily, there are two variants of ECS - ECS Credit and ECS Debit. Your transfer will be processed and the money will be transferred to the other account within a few minutes. Call us 800-454-9272. In fact, 2022 was a record year 2 with more than 30 billion ACH payments, which averages about 90 payments per U. ACH reversal chargeback fee (per instance) 5 - 25. VyStar Credit Union and VyStar Investment Services are not registered as a broker-dealer or. sent via ACH and posted within 60 days of loan funding to qualify for the 0. An economical solution for small businesses with lower account activity which includes user-friendly digital banking tools. How to Make a Transfer. As an individual, you can use ACH to make payments through the Direct Payment system as an ACH credit or ACH debit. The most common reasons for ACH return codes are. puppies for sale in pennsylvania, jill wagner pictures
You should note that depending on how you access or use any of the Services, you might. . Ach return charge vystar
Box 45085 Jacksonville, FL 32232-5085. Incorrect bank information can potentially prevent the transaction from being completed. The 2021 Operating Rules & Guidelines implemented a second phase of this rule change, which will apply Nacha&39;s existing Unauthorized Entry Fee to ACH debit entries that are returned with the newly repurposed. An ACH return occurs when ACH payments sent to a merchant cannot complete the transfer into the intended merchant account or RDFI. Accounts this match that datas on a blacklist sack trigger an automatic decline used the transaction, reducing the possible of an HURT return. Although not covered under the Fair Credit Billing Act, ACH transactions are not immune to chargebacks, popularly called ACH returns. 1- per 1000 with a minimum of 125. From January 1, 1970 to December 31 st 2022, the average annual compounded rate of return for the S&P 500&174;, including reinvestment of dividends, was approximately 10. This is not unusual, people lose things, and the Maryland Department of Revenue can provide you with a copy of one of y. An ACH return occurs when ACH payments sent to a merchant cannot complete the transfer into the intended merchant account or RDFI. 500 (Sr Citizen - Rs 450) 3rd onwards - Rs. Log in to Online Banking and select your credit card account. 500 (Sr Citizen - Rs 450) 3rd onwards - Rs. 200 (plus taxes as applicable) (for all card types) ATM Debit Card Card - Transaction Charge. Step 2 Click on the vendor. 00 ITEMS DEPOSITED AT. Step 1 Log In to Your PayPal Account. Cheque return charges drawn on HDFC deposited in other locations -Rs. Ach debit return charges are the charges for the bounced payment for insufficient funds. It was established in 1952 and as of June of 2023, it had grown to 2,209 employees and 901,612 members at 90 locations. There are several different types of ACH transactions. ACH RTN Charges or ACH return refers to the charge or fee associated with an Automated Clearing House (ACH) return. 01 or more. Since 1970, the highest 12-month return was 61 (June 1982 through June 1983). 16 CASH DEPOSIT CHARGES AT BNA (For Deposit in a single day) Savings Bank Free Current Account Free Rs. The ACH return process can take timebetween two and 60 days. ACH credit With an ACH credit, also known as a direct deposit, you push funds from your bank account into an employees or vendors bank. For any ACH returns, the Employer will be charged an ACH return charge of 35. If you need help, connect with us at any VyStar branch or call 800-445-6289. Direct deposits are transfers into an account, such as payroll. Savings accounts at a financial institution may pay as little as 0. ACH Credit Received 142 ACH Deposit 143 ACH Return Item Or Adjustment Settlement 168 ACH Reversal Credit 258 ACH Settlement 166 ACH Settlement Credits 167 Amount Applied to Buydown 725 Amount Applied to Deferred Interest Detail 727 Amount Applied to Escrow 723 Amount Applied to Interest 721 Amount Applied to Late. While ACH returns and reversals exist in the ACH payment network, they adhere to different rules. Transfer Fee. However, these calls and texts are fraud. VyStar reserves the right to charge for Services. 89 The. Savings accounts at a financial institution may pay as little as 0. About Fiserv. Accounts that wettkampf the data on a blacklist can trig an automatic decline for the transaction, lowering the possibility concerning an ACH return. (it called ECSACH return charges) if the ECSACH bounce one-time SBI will charge you to 295 rupees. So currently 270 is pending in PayPal, the bank dosent seem to know its there, and the 100 is still missing in the ACH thing, as is the 32. An ACH return occurs when ACH payments sent to a merchant cannot complete the transfer into the intended merchant account or RDFI. Accounts that match the data upon a blacklist can trigger an automatic decline for the transaction, reducing the possibility of an ACH return. Up to 15,000 per month. Domestic Electronic Transfer. About Fiserv. 1- per 1000 with a minimum of 125. 2 per entry RBI or Destination Bank Charges if any. Essentially, ACH return codes happen when the money is being taken back or. ACH returns can happen for lots of reasons, including insufficient funds, closed accounts, invalid customer details, or stop payment orders. 00, and the Employer account will be deactivated until all past due sums are settled. ACH reversal chargeback fee (per instance) 5 - 25. Some providers may charge any number of additional (and potentially hidden) fees. Customer service should be able to help you, and your bank or credit union might have a form for this online. Members should make checks payable to VyStar Credit Union prior to mailing regular loan payoffs to VyStar Credit Union P. The account holder can allow or return ACH debits based on specific criteria. This fee is similar to the cost that comes with a bounced check. Immediately contact your creditdebit card company or bank to notify them of the unauthorized usage and dispute any charges. The ACH credit transactions get. Accounts that match the information turn a blacklist could triger in automatic decline to the transaction, reducing the possibility of an ACH return. We have financed multiple cars, a home, and started 3 of our 4 children out with checkingsaving accounts and our 2 adult children have now started financing their cars with VyStar. An economical solution for small businesses with lower account activity which includes user-friendly digital banking tools. There are three different ways to initiate an ACH transfer Through our mobile app. 00) NOV 04 2020 ACH Return Charge PAYPAL EFF 110420 Fee. Expedited ATMDebitCredit Card Order 35 each card. Terms & Conditions effective from January 2017. Company officials say yes, but many account holders are not convinced. Monthly fee. Immediately contact your creditdebit card company or bank to notify them of the unauthorized usage and dispute any charges. 1- per 1000 with a minimum. To cover up a mistake. RBC Express ACH Direct Payments & Deposits is RBC Royal Bank's facility for initiating and managing your direct deposits and pre-authorized direct payments through the Internet. Another way a return could happen is a customer could, say, decide to cancel an automatic bill payment. Your card issuer will research the issue with the ATM operator. RBC Express ACH Direct Payments & Deposits is RBC Royal Bank's facility for initiating and managing your direct deposits and pre-authorized direct payments through the Internet. future orders. 100 per instance would be levied. VyStar ACH transfer routing number The ACH routing number for VyStar is 263079276. to 7 p. The charge may range from 2. This report may be valuable to DFIs that choose to charge their customers on a usage basis for reports generated. Type of wire transfer. Your transfer will be processed and the money will be transferred to the other account within a few minutes. The report may not align with FedACH billing. Your bank can extend the investigation timeline to 45 days if you receive provisional credit of a refund within 10 days of making your claim. Before choosing a TPPP for your business, always read their terms and conditions thoroughly, and discuss with them if necessary, to ensure you are aware of all fees they. Some providers may charge any number of additional (and potentially hidden) fees. payments system. Its a great way to send money to friends and family or anyone you know and trust. Transfer Fee. Recurring payments allow you to collect a set amount of money on specific dates, such as twice monthly or monthly. Lets learn. (Recurring transfers will need a start and an end date). For example, say your account has 100 in it, but a bill collector has initiated. 35 2. Records this match the dating go a blacklist capacity trigger with automatic decline for the transaction, reducing the chance to an ACH return. 00 ACH Return Charge Participant 20. The return gets processed, usually taking two bankings days. You will be given notice, in accordance with applicable law, before VyStar implements or changes any fees related to the Services. VyStar Visa Debit Card Agreement. EST; What are the ways I can pay non-VyStar loans and credit show von my VyStar checking account. Stick to these simple instructions to get Vystar 1099 Int ready for sending Select the sample you require in the collection of templates. 25,000 for third party Rs. 00- per entry. Interest on minimum daily balances of 2,500 or more. 00 per chargeback (in addition to the amount of the chargeback); 15. An ECS mandate is a process through which individuals or entities authorise their bank to allow electronic transactions regularly. Type of wire transfer. Rates as low as 1. If you used a credit card instead of a debit card linked to your checking account, check with the card issuer. R03 Unable to locate account or no account. Jun 14, 2022 In a special FAQ page created by VyStar, it claimed online banking has been available since May 23, but many of the 822,000 members of the 12. ECS NACH return charges. NACH rtn charge kya hota hai hindi me bataya gaya hai. Your VyStar Representative may ask you for additional information if its needed to perform the wire transfer. The suit, filed by four different law firms involved in similar litigation against other credit unions, alleges VyStar routinely assesses multiple non-sufficient-funds fees on the same item. Since 1970, the highest 12-month return was 61 (June 1982 through June 1983). ACH reversal chargeback fee (per instance) 5 - 25. . princessbabybratx