What reasons can I dispute a charge for?

You can dispute a charge for the following reasons if reconciling the issue with the Merchant first has not resolved the issue:

• If you don't recognise the charge
• If you don't agree with the charge amount, or you have been billed more than expected
• If you have been charged more than once for the same purchase
• If you have cancelled or returned the purchase
• If you haven't received the goods or services, or the business cancelled your goods or service
• If the received goods or services are not as described
• If you paid with a different method of payment
• If you'd like the documentation for your personal records
• If you want to cancel a recurring billing charge, or you cancelled a monthly or recurring billing charge but you're still being billed after the cancellation date

If you have unrecognised charges from multiple Merchants, please call the number on the back of your Card as soon as possible.

Did you contact the merchant first?

Contacting a Merchants customer service directly is the fastest way of resolving a dispute and getting a refund. Our investigation process may take up to 6-8 weeks.