MafinCash exchanger

We have reviewed your claim. The exchange service has not refused to process your request. You were asked to provide the necessary information and a bank statement so that the transaction and payment details could be properly verified.

The amount of 76,266 TRY mentioned in your review cannot be considered an established outstanding debt based solely on your statement. The transaction is currently under verification, and additional time may be required to properly review all payment details and circumstances.

We understand that the waiting period may be inconvenient; however, the verification process must be completed before any final decision or further payment can be made. Your request has not been ignored, and you will receive a response once the verification is completed.

I need it now you said that you have to wait but not know how much wait if the payment transfer it will take only 24 hours but it take 1 week already.

And i have sent bank statements already your operator didn’t response on telegram.

Since now he is not replying please send my money I waited too much he is online on telegram but not replying.

Ikram Ullah, The funds have already been sent from our side. The issue is related to your bank account or the processing by your bank. We are currently verifying the transaction details. Repeated messages will not speed up this process. Please wait until the verification is completed. You will be informed once we receive the final result.

But i am waiting since 8 days when will it confirmed you didn’t gave a single receipt i gave my statement i am waiting last tomorrow you operator is not replying you guys blocked my email from your site.

Based on the information available to us, all matters regarding your cases have been resolved. If this is not the case, please contact an operator for further assistance.

Hello Ikram Ullah,
The complaint is not supported by the actual sequence of events.

The exchange service fully performed its obligations by sending the payment and providing the corresponding payment receipt(s). Before considering the transaction completed, we explicitly asked you whether the payment had been received. In response, you unequivocally confirmed that the funds had been received.

Your confirmation was clear, voluntary, and was given after you had reviewed the payment receipt(s) we provided. The exchange service relied on your confirmation in good faith and completed the transaction accordingly.

Only after your explicit confirmation did you change your position and state that the funds had allegedly not been credited because this was a company account and required additional processing time. This explanation was introduced only after you had already confirmed receipt.

At no point do our Terms of Service or our website state that the exchange service guarantees any 24-hour waiting period before a recipient should confirm receipt of a payment. If you were unable to verify the incoming payment or did not have immediate access to the receiving account, you should not have confirmed that the funds had been received.

The responsibility for verifying whether the payment has actually been credited rests solely with the recipient before confirming receipt. A confirmation of receipt cannot later be withdrawn simply because the recipient subsequently discovers that they confirmed the payment without completing the necessary internal verification.

The exchange service cannot be held liable for:

* an incorrect confirmation made by the recipient;
* the recipient’s internal procedures for verifying payments to a company account;
* the recipient’s lack of direct access to the receiving account.

The payment receipt was provided, the payment was confirmed by the recipient, and the exchange service relied on that confirmation when completing the transaction. Therefore, the exchange service fulfilled all of its obligations in full, and there are no legal or factual grounds to hold the exchange service responsible for the consequences of the recipient’s own confirmation.

We respectfully request that this complaint be dismissed.

He gave me receipt i said yes then after 7-8 hours the payment was charged backed it seems like you sent 3rd party black money it was charged backed and now i simple want a single statement i have rights for statement if you are not providing statement if clearly verifies that you use illeget money.

I was pressured by my work cause of work therefore i just gave ok to your operator and i trusted this site because i already worked here more if you didn’t accept company account then why are you paying you should tell me that we can’t pay to company we send around 5 million try on daily basis how can i check each receipt now solve this case you sent me just illegit fund which was charged backed now help me by solving this send me tl to the same account or send me my usdt back!

The arguments presented in your latest message do not create any legal or factual liability for the exchange service.

Your internal business processes, workload, corporate account procedures, or any pressure from your employer are entirely outside the scope of the exchange service’s responsibilities. These circumstances cannot transfer liability to the exchange service or alter the legal consequences of your own confirmation.

You stated that you were under pressure at work and therefore replied “OK” to our operator. However, this was entirely your own decision. If you were unable to verify the incoming payment, you should not have confirmed that the funds had been received. Instead, you explicitly confirmed receipt of the payment, and the exchange service relied on your confirmation in good faith.

Likewise, your statement that your company processes millions of Turkish Lira daily and that you cannot verify every incoming payment is solely an internal operational matter. It cannot impose additional obligations on the exchange service. If you are unable to verify a particular transaction, you must not confirm its receipt until verification has been completed.

Your decision to use a corporate account is also your own responsibility. Any internal approval procedures, delayed access to account information, or verification requirements associated with such an account cannot be attributed to the exchange service.

Furthermore, your allegations that the exchange service used “illegal” or “third-party” funds are entirely unsupported by any objective evidence. Such accusations are speculative and cannot serve as a basis for establishing liability.

Under the Exchange Service Rules, the customer is responsible for providing accurate information, complying with the exchange procedure, and acting in good faith throughout the transaction. Once the customer confirms receipt of the funds, the exchange service is entitled to rely on that confirmation and consider the transaction completed.

The exchange service cannot be held responsible for:

* your decision to confirm receipt without verifying the payment;
* your inability to access or verify your corporate account;
* your employer’s internal requirements or work-related pressure;
* your company’s internal payment verification procedures.

The exchange service fulfilled all of its obligations in accordance with the transaction terms and the Exchange Service Rules. The consequences of an incorrect confirmation made by the customer cannot be transferred to the exchange service.

For these reasons, we respectfully request that this financial complaint be dismissed, as there are no legal or factual grounds to impose any liability on the exchange service.

I gave ok but the payment was latter charge backed there no connection with.
* your decision to confirm receipt without verifying the payment;
* your inability to access or verify your corporate account;
* your employer’s internal requirements or work-related pressure;
* your company’s internal payment verification procedures;

I am saying that this payment was charged backed your fund is illeget.
The payment received i gave ok but little later the payment was reversed give me solution of this.

If you say that payment was not reversed then give me proof i have proof that there’s no payment here.

The exchange service provided the customer with the official bank payment receipt issued by Akbank, confirming execution of the transfer. The receipt contains the sender’s details, the beneficiary’s details, the transfer amount, and the exact date and time of the transaction. This is the standard bank-issued document confirming execution of the payment and was provided to the customer as proof of payment.

After receiving this payment receipt, the customer was explicitly asked whether the funds had been received. The customer unequivocally confirmed that the payment had been received. Acting in good faith, the exchange service relied on this confirmation and considered the transaction completed.

After some time, the customer changed his position and began claiming that the payment had allegedly been “charged back” or “reversed,” and that the exchange service had allegedly used “illegal” or “third-party” funds.

These allegations are entirely speculative.

Furthermore, the customer’s accusations that the exchange service used “illegal” funds or “third-party” funds are entirely unsupported by any objective evidence. Such serious allegations cannot be based on assumptions or personal opinions and require official confirmation from the competent bank or relevant authorities.

Under the operating principles of the Turkish banking payment systems (EFT/FAST), once a transfer has been completed and credited to the beneficiary, the transaction reaches settlement finality. A completed transfer is not automatically reversed through the payment system.

The exchange service fulfilled all of its obligations under the transaction and in accordance with the Exchange Service Rules by:

* executing the payment;
* providing the official bank payment receipt confirming execution of the transfer;
* obtaining the customer’s explicit confirmation that the funds had been received.

The customer’s internal corporate procedures, inability to verify incoming payments, workload, employer’s requirements, or any other internal business matters remain entirely outside the responsibility of the exchange service. If the customer was unable to verify receipt of the funds, he should not have confirmed that the payment had been received.

The exchange service cannot be held liable for assumptions, unsupported allegations, or the consequences of the customer’s own confirmation.

Accordingly, the exchange service has fully performed all of its obligations, while the customer has failed to provide any objective evidence supporting his allegations.

We therefore respectfully request that this financial complaint be dismissed as unfounded.

Sir i need only bank statement from him please can you take from them statement.

If the payment was made because of fraud, a scam, or a mistaken transfer, the sender should contact their bank immediately. The bank can try to recover the funds, but success depends on factors such as whether the money is still in the account and the circumstances of the case.

The reverse is 100% possible google it ask from expert sir.

Dear Customer,

The exchange service has already provided the official bank payment receipt confirming execution of the transfer. This document constitutes the exchange service’s proof that the payment was completed.

Under the Exchange Service Rules, the exchange service is not obligated to provide internal banking documents, including bank account statements, unless such an obligation is expressly established by applicable law or the Exchange Service Rules. No such obligation exists in this case.

Your request for additional internal banking documents therefore has no legal basis under the Exchange Service Rules.

Furthermore, your allegations that the payment was reversed, or that the exchange service used “illegal” or “third-party” funds, remain purely subjective statements. To date, you have not submitted any official bank document or any other objective evidence supporting these allegations.

The exchange service cannot accept liability based solely on assumptions or unsubstantiated allegations. The documented facts remain unchanged: the transfer was executed, the official bank payment receipt was provided, and you confirmed receipt of the funds.

Accordingly, the exchange service considers that it has fully performed all of its obligations under the transaction and the Exchange Service Rules.

You Give statement also he reversed the money bro i am not lying i have proof why are you not sharing statement for sure.

The exchange service has already fulfilled all of its obligations under the transaction by providing the official bank payment receipt confirming execution of the transfer.

You subsequently confirmed that the funds had been received. The exchange service relied on your confirmation in good faith and considered the transaction completed.

The Exchange Service Rules do not require the exchange service to provide any additional internal banking documents beyond the payment confirmation already supplied.

We have already set out the exchange service’s legal and factual position in detail above. There is no reason to repeat the same arguments. The exchange service cannot be held liable for the consequences of the customer’s own confirmation.

I am waiting until tomorrow if the payment was charged backed you will be responsible and it was not charged backed i will be responsible because if we received payment once i gave on and then that party claims that is not sure fund and you will be responsible.

Sir Gone to the bank Physically The Bank Told Me That this payment was Charged Backed If any Proof i will Provide You will Be responsible For reversal Payment.

What Did I To more you gave me receipt i sayed that i was done then after it was reversed to that back account so what is my responsibility more i need today this solution.

We have already explained our position in detail. The exchange service fully fulfilled its obligations by sending the payment and providing the official payment confirmation (payment receipt).

The key fact is that you explicitly confirmed that the funds had been received. Upon receiving your confirmation, the transaction was considered completed, and the exchange service’s obligations under this order were fully discharged.

The exchange service cannot be held responsible for the consequences of confirming receipt of funds without verifying them beforehand. Our position on this matter remains unchanged.

Why You Not Understanding Sir I said That He Gave Receipt That Was Clear And Receipt And Here After The Payment Was Reclaimed The That Try Was Reversed We Checked It in Physical Bank They Told Us That The Other Person Is Reclaiming That This Amount Was Add Mistakenly Now That Payment Was Not Clear Payment The Receipt Was Clear But Where is my money now?

You are saying that we obligated. If you are sending wrong fake money it’s not your fault? You gave receipt the payments arrives and little later the payment disappears automatically then you call the bank and the bank says that your paying party claims that the payment was made mistakenly So Here You Need to obligate Here By Resolving This issue i gave statement i gone to bank i have all proofs you have nothing without this receipt Clear mY money clear this issue.

He didn’t Have A Single Proof without this receipt he only gave one a single proof.

He has no more talks without saying this: that you sayed received i am also know saying that i received but was charged back by your side the try was disappeared we contacted bank and we gone to physical bank they bank told us that your try was reclaimed and try was reversed to back party give me solution of this.!

We have already explained our position in detail, and it remains unchanged.

Furthermore, your own statements are contradictory. In your messages, you first acknowledge that the payment receipt was genuine and confirmed the transfer, then claim that the receipt was fake, and later state that the payment was reversed. These mutually inconsistent statements are based on your own assumptions and cannot change the established facts.

The exchange service fulfilled all of its obligations by sending the payment and providing the official payment receipt. You explicitly confirmed receipt of the funds, and based on your confirmation, the transaction was considered completed.

We have already provided all documents that the exchange service is required to provide. We are under no obligation to provide internal bank statements or any additional documents. Our position remains final.

How is saying that this is fake i am saying that this is genuine but from how you bought try he claims that the payment was made mistakenly and payment was reversed to him i want that problem solution. You Are Changing This Conversation How Will See This Will Understand.

We are not changing the conversation. The exchange service fulfilled all of its obligations by completing the payment, providing the official payment receipt, and relying on your confirmation that the funds had been received. Any subsequent claims do not change these facts or create liability for the exchange service.

Did You Have More evidence without this receipt? You Never Came on my purpose What is i saying?
The receipt is ok but was charged backed from your party side what is my fault here i received once but then it was disappeared we checked in bank the bank says that how sent payment he is saying that this payment is made mistakenly so we reversed to him. Give me this Solution.
Please Don’t say it again that i gave receipt you sayed received this is another issue.

Your claim that the funds were first credited to your account and then automatically disappeared is not consistent with normal banking procedures. The exchange service fulfilled its obligations.

That was charged backed you sent me illiget money i will provide more proofs i am not like you who didn’t have a single statement no buddy please deal with this scammer site he send non-trusted fund he will give only receipt.

Your allegations are unsupported. The exchange service completed the payment, provided the official payment receipt, and fulfilled all of its obligations. Repeating the same claims does not change these facts.

I need my money bestchange.com will decide how is right.

The exchange service has fully fulfilled all of its obligations to you by completing the payment and providing the official payment receipt. Any further disputes regarding your account cannot create liability for the exchange service.

Just fuck up you gave to me illegale fund whom he disputed where is myoney.

The exchange service has already fulfilled all of its obligations by completing the payment and providing the official payment receipt. Your use of offensive language and unsupported allegations does not change the facts of this transaction.

That was charged backed you sent me illiget money i will provide more proofs i am not like you who didn’t have a single statement no buddy please deal with this scammer site he send non-trusted fund he will give only receipt.

You explicitly confirmed that the funds had been credited to your account. Once funds have been credited, they cannot be automatically reversed back to the sender as a chargeback. If a bank has concerns regarding a transaction, it may restrict the account or conduct a compliance review, but it does not automatically return credited funds to the sender. The exchange service fulfilled all of its obligations in full.

It was charged backed That was charged backed you sent me illiget money i will provide more proofs i am not like you who didn’t have a single statement no buddy please deal with this scammer site he send non-trusted fund he will give only receipt.

The exchange service has already fulfilled all of its obligations. You confirmed that the funds had been received, and a payment cannot be automatically returned to the sender after it has been credited to your account. Your subsequent allegations do not change these facts.

That was charged backed you sent me illiget money i will provide more proofs i am not like you who didn’t have a single statement no buddy please deal with this scammer site he send non-trusted fund he will give only receipt.

Your statements are merely your personal allegations and are not supported by any objective evidence. The exchange service fully fulfilled its obligations: the payment was sent, an official payment receipt was provided, and you explicitly confirmed that the funds had been been received. Based on your confirmation, the transaction was considered completed. Your subsequent claims regarding an alleged chargeback, “illegal funds,” or any other circumstances do not change the fact that you confirmed receipt of the payment and do not create any liability for the exchange service.

Did You Have More evidence without this receipt? You Never Came on my purpose What is i saying?
The receipt is ok but was charged backed from your party side what is my fault here i received once but then it was disappeared we checked in bank the bank says that how sent payment he is saying that this payment is made mistakenly so we reversed to him. Give me this Solution.
Please Don’t say it again that i gave receipt you sayed received this is another issue.

The exchange service did not initiate any chargeback or payment reversal. No request to reverse the payment was ever submitted by us.

According to standard banking procedures, once funds have been successfully credited to the beneficiary’s account, they cannot automatically disappear or be returned to the sender without the recipient’s authorization. Such a scenario is technically impossible.

We provided the official payment receipt, and you confirmed that the funds had been received. Based on your confirmation, the transaction was considered completed.

Therefore, the events you describe are not technically consistent with how the banking system operates and cannot be attributed to any action on the part of the exchange service.

Hello,

We request the exchanger's administrator to respond to the user's complaint.

Sincerely, administration of the BestChange exchanger monitor.

Hello Aliaksei,

This transaction has triggered an AML check. In accordance with the requirements of our custodial service provider, the deposit has been temporarily frozen and is currently undergoing an additional compliance review.

All necessary information and supporting documents have been requested from you. At the moment, the information you have provided is being reviewed by the compliance department.

Once the review is completed, a final decision will be made regarding the processing of this exchange request — either a refund of the funds or completion of the exchange with the payout of the funds.

We kindly ask for your patience while the review is being completed. Thank you for your cooperation and understanding.

Best regards,
Exchange Service Administration.

Dear Client,
According to the MafinCash User Agreement, specifically clauses 5.23–5.25, all risks related to PayPal transactions — including disputes, chargebacks, claims, holds, and account limitations — are fully borne by the Client.
The refunds were initiated by you voluntarily and at your own discretion. The exchange service is not responsible for client-initiated PayPal refunds or for any consequences arising from actions taken within the PayPal system.
Please also note:
“Goods & Services” payments are not accepted under clause 5.23.
All PayPal-related risks are borne by the Client (clause 5.25).
Cryptocurrency transactions are non-refundable (Section 13).
At the time of payment receipt, the service fulfilled its obligations under the submitted exchange request. A unilateral PayPal refund does not cancel the completed exchange transaction and does not create an obligation for the service to return cryptocurrency.
The service operates strictly in accordance with its User Agreement.

The service states that “Goods & Services payments are not accepted under clause 5.23.”

However, both PayPal payments were sent as Goods & Services transactions and included shipping addresses.

This payment structure was created by the exchange service, not by me.

If such payment types are not accepted under their own rules, then the exchange service itself violated its agreement.

Therefore, the transaction cannot be considered properly fulfilled under their stated terms.

The exchange service is referencing clauses 5.23–5.25 regarding PayPal risks.
https://mafincash.com/en/pages/rules
However, the publicly available User Agreement currently only contains sections up to 8, and there is no visible clause 5.23–5.25 regarding PayPal Goods & Services or chargeback liability.

If the service relies on specific clauses, they should provide the exact wording and version of the agreement that was in force at the time of my order.

Additionally, the service states that Goods & Services payments are not accepted, yet both payments were sent as Goods & Services transactions.

This payment structure was created by the exchange service, not by me.

If such payment types are not accepted under their own rules, then the exchange service itself violated its agreement.

Dear Client,
Please be informed that the PayPal details you provided correspond to a business PayPal account. For such accounts, PayPal may automatically process payments primarily under the Goods & Services format.
According to clause 5.23 of the User Agreement, payments are processed by default via Friends & Family (FnF).
The exchange request page clearly states:
By default, all payments are sent via Friends & Family (FnF).
Upon client request, or in cases where FnF is not available, payment may be processed via Goods & Services (GS).
Therefore, the payment format was determined by the technical characteristics of the account you provided.
Please also note:
Under clause 5.25, all risks related to PayPal disputes, refunds, chargebacks, holds, or claims are fully borne by the Client.
The exchange service is not responsible for refunds initiated by the client.
The service has fully fulfilled its obligations under the exchange request.
You were additionally warned about these conditions prior to initiating the refund.
The decision to issue PayPal refunds was made solely at your discretion and does not create an obligation for the service to return cryptocurrency.
The service operates strictly in accordance with its User Agreement.

For transparency to other users:

The publicly available User Agreement on mafincash.com currently displays only sections 1–8. Clauses 5.23–5.25 referenced by the service are not visible on the public rules page at the time of writing. If a different version applies, it has not been publicly verifiable.

The service states that payments are processed by default via Friends & Family (FnF). However, both payments I received were sent as Goods & Services (GS), from two different PayPal accounts in two different countries.

The payment format and sender accounts were fully determined by the exchange service, not by me.

The service considers the transaction fulfilled once PayPal funds were received, even though the structure involved GS payments and shipping addresses for an online service.

I leave this information here for other users to assess the payment structure and associated PayPal risk for themselves.

In addition, the two payments were sent from two unrelated PayPal accounts located in different countries and included shipping addresses, despite this being an online service.

Such a structure significantly increases PayPal dispute and chargeback exposure for the recipient account.

Users who operate business PayPal accounts should carefully evaluate this payment structure before proceeding.

The exchange service has fully explained the situation and provided references to the applicable rules. All actions of the service were strictly in accordance with the rules published on the website, which the Customer agrees to when creating a request.
There is no need to repeat the same points — the rules and obligations remain unchanged, and the service acted correctly within these rules.
Sincerely,
MafinCash.com Team

Reply to MafinCash:

I have just submitted the definitive PayPal transaction evidence to the BestChange support team. These records clearly prove that MafinCash deliberately manufactured a high-risk scenario to facilitate a ***. I am an experienced PayPal user and have conducted many transfers; MafinCash is the only service that has ever employed such fraudulent and dangerous payment structures.

The screenshots of the transactions (Order #***) expose your deception:

Proof of Subjective Risk: You split a single 500 USD order into two separate payments from two different individuals in two different countries (Moldova and Ukraine). This is not a "technical characteristic"; it is a deliberate "structuring" technique used to bypass anti-fraud filters, which puts the recipient's account at immediate risk of a permanent ban.

Proof of Goods & Services (GS): Despite your claim that FnF is the default, my PayPal records explicitly show the "Add Tracking" and "Create Shipping Label" options for BOTH payments. This proves you sent the funds as Goods & Services to ensure the transaction remained reversible on your end, while my USDC was irreversible.

Fabricated Clauses: You continue to reference "Clauses 5.23-5.25," which do not exist on your public website. Inventing hidden rules after a dispute arises is the hallmark of a scam.

To BestChange Administration:
MafinCash is now in possession of both the 500 USD (refunded) and my 485 USDC. They have effectively stolen my funds by using a high-risk payout structure that no legitimate user could safely accept. I request a manual review of this merchant's deceptive practices. I will not stop until my 485 USDC is returned.