I am an Indian who has a MNC Bank Visa debit card. I always use Verified By Visa service to pay using my debit card. Last day as usual i entered the details of card in an International Site(I have never bought from an International Site before). However i wasn't redirected to the VBV page, but the money is debited from my account. I was stunned because i wasn't looking to buy it, but seeing how much it costs. (I entered the details because they sent me a coupon and I was trying to redeem it but i haven't seen the space to enter coupon code anywhere. So i thought i will just enter card details and see what happens.) How is this possible? Am i able for a refund since the transaction took place without my authorization ?
Here is another point: This is the site https://www.underarmour.com/en-in . Can this be considered as an Indian Site cause it have "en-in" in the URL and the price shown is Indian rupees ? If so then they must follow RBI standards which they did not.
There are other sites like this. eg: http://www.mi.com/in which are Indian.
This is the Reserve Bank Statement: "Further, to reduce the risks arising out of the use of credit/debit cards over internet/IVR (technically referred to as card not present (CNP) transactions), Reserve Bank mandated that all CNP transactions should be additionally authenticated based on information not available on the card and an online alert should be sent to the cardholders for such transactions."
In that case my transaction is not authorized.
What is your opinion ?
Update: I somehow managed to cancel the order and got refund from merchant.