How do I dispute a transaction?

You may want to dispute a transaction for a few different reasons.

  1. You've found unrecognised transactions on your card
  2. You've paid for goods or services that you haven't received

 

If you've found unrecognised transactions on your account

Step 1. Freeze your card

Freeze or cancel your card to prevent any further transactions being made on it.

- Freeze your card

- Permanently cancel your card

Step 2. Investigate the transactions

Once your card has been frozen, there are a few things you can do to check if the transactions were fraudulent:

1. Ask your team - check if they were made by someone who may be authorised to use the card

2. Research the business - find out if the business could be trading under a different name. You can check by Googling the name, doing an ABN search (for AUS) or a Companies house search (for UK)

If you find that the transactions were authorised, you can unfreeze your card easily in the same way you froze it. Simply click 'Unfreeze' instead.

Step 3. Raise a transaction dispute

If you can't figure out who made the transactions, the next step is to raise a dispute.

You can do this by filling in the form below, and our Risk team will get back to you within 1 working day.

Raise a transaction dispute

 

If you've paid for goods or services that you haven't received

Raise a transaction dispute

In this case, jump straight into raising a transaction dispute. You can do this by filling in the form below, and our Risk team will get back to you within 1 working day.

Raise a transaction dispute

 

Things to know before you raise a transaction dispute

We do our best to recover your payments, however in some circumstances we will not be able to recover your funds. These include but are not limited to:

- Refunds or exchanges

- Membership or subscription questions 

- Issues with defective or unsatisfactory products or services

Any transaction you wish to dispute, we strongly encourage you to contact the business in order to resolve the issue first. These issues may be resolved with the business directly:

- Duplicate charges

- Cancelled a subscription but was still charged

- Don't receive the product

There is a time limit!

Most card disputes must be lodged within 90 days of the transaction.

Powered by Zendesk