💡 What is a chargeback? It's the reversal of a credit card payment that comes directly from the bank. If consumers aren't happy with their purchase and the merchant refuses to refund them, they can claim a refund for their purchase through the bank, and the bank will contact the merchant to allow them to refute the dispute.
With the growth of online payments (for shopping, subscriptions, and more), we've also seen an increase in scams and fraudulent/questionable charges. Whether a product never arrived, a purchase was defective and didn't meet expectations, or you were charged after cancelling a subscription, it's completely unfair for you to be billed.
💡 Unfortunately, getting a refund isn't always easy. Shady websites and vendors don't have great customer support, and most companies won't respond to your inquiries for a refund or replacement.
Banks (and the government) understand that fraudulent charges happen all the time. Which is why they've created the chargeback process to protect consumers and their money from scams. By filing a chargeback, you can get a refund directly through your bank without having to deal with the merchant directly.
In the UK, this law protects you if you use your credit card to buy something costing over £100 and up to £30,000. It places responsibility not only on the merchant, but on the card issuer as well.
Here are the instances that a 75 claim could apply:
your purchase does not arrive
the product or service is faulty or not in the condition described (this applies even if the description was verbal)
the company you bought the product or service from goes out of business. In this case, you may also be able to claim for associated additional expenses you incur as a result – for example, a return flight home if your airline goes bust.
There is no time limit to making a claim, although the UK Cards Association recommends no longer than six years. You can even claim if your credit card account has since been closed.
To file a chargeback, you either have to:
Call the bank and explain your situation. This option isn't great since banks are usually only open from 9AM to 5PM, and there's a high change you'll have to wait on hold or get tossed around between representatives.
Draft an official chargeback letter and fax or mail it to your bank.
✅ Here are the main categories of chargebacks we help with:
Delivery problems
Charged after cancelling subscription
Incorrect amount/duplicate charges
Not satisfied with service provided
Promised a refund but never got it
Unrecognized fraudulent charges
Once you file the chargeback and it's accepted by your bank, you should see the charge amount returned to your account as a temporary re-deposit within several days. As long as the merchant doesn't dispute the chargeback, your charge will be fully refunded.
1. Find the Chargeback Instantly product on DoNotPay.
2. Tell us which credit card (or ACH transfer) the payment was on, and enter the name of your bank and the merchant.
3. Select the reason for your chargeback, and provide relevant details, including the charge amount, the charge date, a description of the payment, and any files you can upload as evidence.
Note: In most cases, you typically have 60-120 days from the charge date to file a valid chargeback.