{"id":1714,"date":"2017-03-29T08:44:21","date_gmt":"2017-03-29T08:44:21","guid":{"rendered":"https:\/\/www.ccpc.ie\/consumers\/?page_id=1714"},"modified":"2021-07-05T16:48:49","modified_gmt":"2021-07-05T15:48:49","slug":"disputed-card-transactions-chargeback","status":"publish","type":"page","link":"https:\/\/www.ccpc.ie\/consumers\/shopping\/disputed-card-transactions-chargeback\/","title":{"rendered":"Disputed card transactions (chargeback)"},"content":{"rendered":"<div data-post-id=\"449\" class=\"insert-page insert-page-449 \"><p>You may want to dispute a card transaction if:<\/p>\n<ul>\n<li>The transaction was not authorised by you, or was put through more than once<\/li>\n<li>The supplier did not deliver the goods or services you paid for<\/li>\n<\/ul>\n<p>You should contact the supplier first and ask for a refund. If the supplier will not refund your money and you paid using a credit or debit card, your card provider \u2013 usually your bank &#8211; may agree to reverse the transaction. This is called a <span class='tooltipsall tooltip_post_id_custom_baf3c9d568b9036cff273872a10e7696 classtoolTipsCustomShortCode' style='border-bottom:2px dotted #888;'>chargeback<\/span><script type=\"text\/javascript\">jQuery(\"document\").ready(function(){ toolTips('.tooltip_post_id_custom_baf3c9d568b9036cff273872a10e7696','A chargeback is a reversal of a disputed sales transaction on a credit or debit card\\. For example, you can contact your card provider to ask them to refund the cost of a purchase if you paid for goods you did not receive or never ordered or if a business fails to cancel recurring payments\\. The card provider will decide if you are entitled to a refund based on the circumstances\\. Every provider has specific timeframes and conditions attached to their chargeback facility'); });<\/script>.<\/p>\n<p>In order to start a chargeback, you should contact your bank or credit card provider immediately. Give them details of the disputed transaction and request that they follow it up.<\/p>\n<p>Depending on the debit or credit card scheme \u2013 i.e. Visa or MasterCard &#8211; there are different terms and conditions in relation to chargebacks. Most schemes offer full chargeback rights but there can be specific timeframes for requesting a chargeback, such as 120 or 180 days after the transaction takes place or the agreed date of delivery. These timeframes vary depending on the card scheme, i.e. Visa or MasterCard.<\/p>\n<p>If there is a transaction on your bank account or credit card statement that you do not recognise, contact your bank or credit card company straight away as it could be a fraudulent transaction.<\/p>\n<p>If you request a chargeback and you are not happy with the response from your bank or card provider, you can\u00a0<a href=\"https:\/\/www.ccpc.ie\/consumers\/how-to-complain\/\">make a complaint<\/a>.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Sometimes you may want to dispute a card transaction. Find out about about chargebacks and how to request one.<\/p>\n","protected":false},"author":113,"featured_media":0,"parent":12505,"menu_order":90,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"tags":[16,14,8,15],"class_list":["post-1714","page","type-page","status-publish","hentry","tag-banking","tag-credit-cards","tag-money","tag-shopping"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Disputed transactions - &#039;Chargeback&#039; - CCPC<\/title>\r\n<meta name=\"description\" content=\"How to use chargeback on your credit card and debit card\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.ccpc.ie\/consumers\/shopping\/disputed-card-transactions-chargeback\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_GB\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Disputed transactions - 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