I am disputing the transaction I triggered last June 16, 2021. I was not able to do the STEP 2 which is the validation process for the transfer of Php 50, 000.00, which only means that the transaction should not push thru and should not be debited to my account but they did. This is a clear breached of security feature. I contacted them the following day June 17, 2021 via phone and they told me to contact ZOTOPAY directly. This is not right because i did not deal with ZOTOPAY but with DRAGONPAY only. Until now I have not received a clear answers from them. DRAGONPAY is a FRAUD! they should be banned from its operation! User's recommendation: DO NOT USE DRAGONPAY CLIENTS ARE NOT PROTECTED AND THEY BREACH SECURITY FEATURES, THEY CAN JUST DEBIT FROM YOUR ACCOUNT EVEN IF YOU DID NOT AUTHORIZED IT, THEY ARE A FRAUD!