Infinite Remit Services Co. Limited is a registered payment service provider (PSP) in Ireland, used by Shein to process credit card transactions for its European customers. This name appears on bank statements instead of Shein, causing massive confusion among buyers who do not recognize the charge.
Contractual Risk Transfer between Shein, Infinite Remit, and the Consumer
The role of Infinite Remit Services is not limited to routing payments. As a payment intermediary, this entity creates an additional legal layer that complicates the chain of responsibility in the event of a lost package.
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According to Shein’s terms and conditions, the marketplace transfers ownership of the goods at the moment of handover to the carrier. The carrier (Colissimo, Cainiao, or others) then assumes logistical responsibility. When a package goes missing, the consumer finds themselves caught between three entities that shift responsibility: Shein claims to have shipped, the carrier claims to have delivered, and Infinite Remit has already collected the payment.
This contractual architecture means that the refund depends on Shein’s goodwill, not on an obligation related to the PSP. Infinite Remit does not intervene in logistical disputes. Its mandate is limited to processing the financial transaction.
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To understand in detail what Infinite Remit Services Co Limited means in French, it is necessary to distinguish between the monetary flow and the physical flow: the PSP manages the former, Shein and its subcontractors manage the latter, and no clause obliges them jointly towards the buyer.
PSD3 Compliance and Transaction Traceability for Infinite Remit
Since the entry into force of EU Regulation 2024/2890 on digital payment services in December 2024, PSPs like Infinite Remit Services must publish an annual PSD3 compliance report enhancing the traceability of cross-border transactions.
This obligation changes the game for consumers. Previously, disputing an Infinite Remit charge with their bank meant reporting an unknown transaction without being able to prove the link to Shein. The PSD3 framework now requires the PSP to provide transaction identifiers that can be utilized by banking institutions in case of disputes.
In practice, we observe that most French banks do not yet fully utilize this data. The chargeback procedure remains the primary lever for recovering funds after a non-received package, provided that the deadlines imposed by the card network are respected.
What PSD3 Changes for a Bank Dispute
- Unique transaction identifier: each payment processed by Infinite Remit must be associated with a traceable code, making it easier to match the charge on the statement with the relevant Shein order.
- Reduced response time: the PSP must provide transaction information to the issuing bank within a defined timeframe, compared to several weeks previously.
- Public annual report: consumers can verify that the PSP is indeed compliant, which serves as an additional argument in a dispute procedure.
Lost Package from Shein: Concrete Steps and Pitfalls to Avoid
The first mistake is to contact Infinite Remit directly. This PSP does not handle shipments or customer service. Any logistical claims must go through Shein’s customer service or the carrier designated in the order tracking.
When tracking indicates “delivered” but the package has not been received, the issue lies with the carrier. If Colissimo is the final provider, a claim must be opened on La Poste’s website. But be careful: Shein frequently uses intermediary carriers before handing over to Colissimo, which multiplies the points of failure in the logistics chain.
Recommended Procedure in Case of Non-Received Package
- Open a dispute directly in the Shein app or website, under “My Orders,” within days of the estimated delivery date. Keep screenshots of the tracking.
- If Shein refuses the refund or does not respond within a reasonable timeframe, contact your bank to initiate a chargeback procedure mentioning the Infinite Remit Services Co. Limited charge and the order number.
- Report the dispute on the European Online Dispute Resolution (ODR) platform, accessible via the Your Europe portal, if the amount justifies the action.
- As a last resort, contact the consumer mediator or a consumer association for recurring disputes or higher amounts.
Unrecognized Infinite Remit Charge: Fraud or Forgotten Purchase
An Infinite Remit Services charge on a bank statement does not automatically indicate fraud. In the vast majority of cases, it corresponds to a Shein purchase made by the account holder or a household member.
We recommend checking the Shein order history before initiating a bank dispute. An unjustified chargeback can lead to the suspension of the Shein account and complicate future purchases on the platform.
If no order matches the charged amount, it may be a case of fraudulent use of the credit card. In this case, immediately report it to the bank, then file a pre-complaint online. The PSD3 framework facilitates the identification of the disputed transaction by the banking institution, which speeds up the processing of the case.
The technical point to remember: Infinite Remit Services Co. Limited is a payment intermediary, not a seller or a carrier. Any effective action in the case of a lost package relies on the ability to address the claim to the right entity, at the right time, with the right documentation. Confusing the PSP with the merchant remains the most common mistake, and the one that wastes the most time.