Chargeback & Card Dispute Guide
How card chargebacks and disputes work, when they apply, and how to give yourself the best chance.
Last reviewed: 1 June 2026
First 10 minutes
- Identify the disputed transaction(s) and gather details
- Contact your card issuer to start a dispute/chargeback
First 24 hours
- Submit evidence: order details, communications, proof of non-delivery or fraud
- Note the dispute reference and any deadlines
- Avoid further payments to the merchant
Contact your bank or payment provider
- Ask your issuer which dispute reason applies and the time limit
- Provide clear, organised evidence
- Follow up within the stated timeframe
Evidence to preserve
- Order confirmations and receipts
- Communications showing the issue (non-delivery, misrepresentation, fraud)
- Tracking results and any merchant responses
Secure your accounts and devices
- If card details were compromised, request a new card
Report it
- Report to your national fraud/cybercrime service
- Report to the platform, bank, or provider involved
- Keep any reference numbers you're given
Card payments often come with dispute rights that bank transfers and crypto do not. A chargeback can reverse a card transaction in cases like non-delivery, goods not as described, or unauthorised use — but there are rules and deadlines.
Contact your card issuer promptly, choose the correct dispute reason, and submit clear evidence. Note that disputes can take time and merchants may respond, so keep records and follow up within the timeframe you're given.
Frequently asked questions
Do bank transfers and crypto have chargebacks?
Generally no. Chargebacks are a card feature. Bank transfers and crypto don't have the same protection, which is why scammers prefer them — another reason to pay by card where buyer protection matters.