If there’s a problem with something you bought on your credit card, you might want to dispute the transaction to claim back what you paid.
If something goes wrong with your purchase, we might be able to get the money back for you from the company. This is known as a chargeback. There are no guarantees on the outcome, but we’ll follow the process with rules set by Visa.
There are lots of reasons you might be able to get a chargeback, like:
- If you bought something and didn’t receive it
- If you bought something that turned out to be faulty, fake or broken (you may need to return what you bought for us to help)
It’s best to let us know as soon as you spot a problem with your purchase and/or transaction. We can then start a claim when the transaction shows on your account.
Usually, you’ll need to ask for a chargeback within 120 days of the transaction or when you were due to receive what you bought. If you raise it after that, we may not be able to help. Also, you can’t make a chargeback claim if you’ve already had a refund from the company.
To make a claim keep anything related to your purchase handy when you raise a dispute, including:
- The company’s name
- The date you paid and how you paid it – for example, in store, over the phone or online with your card (or even through a payment service like PayPal or Klarna)
- A detailed description of the goods or services you bought and when you should get them
the receipt or invoice - Details of what went wrong
- Proof you returned the goods
- Any communication you’ve had with the company about the problem
We might ask for more details once you’ve made your claim. To make sure we can review your dispute, it’s best to share any information you have as soon as you can.
If your goods never arrived you can start a claim in the app, the short video below shows you how:
- Tap the transaction
- Tap ‘Need help with this transaction’
Jump to the Transactions screen.
If the goods were fake or faulty please contact us to start your claim.
