Purchase disputes – know when you can make a chargeback claim

Have you bought something that isn’t as described? Has the retailer refused to give you a refund? If you paid with your Visa debit, credit or pre-paid card, you could get your money back.

What is a purchase dispute?

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Could you get your money back?

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What to do if someone has used your card

If you spot suspicious payments on your card, report them immediately to your bank. If your card has been used fraudulently, you could be protected by Visa’s Zero Liability Policy. This means you could get your money back.

Understand how you’re protected

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If you paid with a Visa debit, credit or pre-paid card, a chargeback is an option. If you need to make a chargeback claim, make sure you do it within 120 days of purchase.

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If you’ve paid with a credit card, you could also be covered by Section 75 of the Consumer Credit Act 1974

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There’s also the Consumer Rights Act that came into effect in 2015, which made consumer rights much easier to understand.

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If you spot a payment from your account that wasn’t you and suspect you’ve been a victim of fraud, don’t panic. You’re covered by Visa's Zero Liability Policy.

Purchase dispute advice: answers to your frequently asked questions

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