How to Do a Chargeback Without Breaking a Sweat
The chargeback process is tiring and time-consuming, and understanding the process is important. Here is the digest — you contact your bank to get your money back directly, instead of going to the merchant for a refund. If you are not satisfied with a product you bought or a service that you subscribed to, you can ask for that money back.
Unfortunately, the process varies from company to company and from bank to bank, but DoNotPay makes requesting a chargeback a piece of cake. You can avoid arguing with your bank representatives or companies’ customer services and ask for a chargeback with DoNotPay with a swipe of your finger.
How to Do a Chargeback With DoNotPay
Groundbreaking technology and undemanding procedures are the reason why you should choose DoNotPay. Using only your fingertips, you can request a chargeback, cancel any subscription, and make use of tons of different options that we provide. Requesting a chargeback has never been easier, and all you have to do is:
- Go to DoNotPay in your web browser
- Click on the Chargeback Instantly option
- Input your full name and bank information
- Type in the name of the merchant or the company and information regarding the payment
- Choose whether you want DoNotPay to send the dispute letter on your behalf and submit the request
Once the process is finished, DoNotPay will do the rest. Your request will be faxed to your bank automatically. We will also familiarize you with all Visa and Mastercard codes pertinent to your case. If you want us to contact the merchant first, we will do that as well.
How to File a Chargeback on My Own
You can contact your bank and request a chargeback for your purchase. Bear in mind that the process is complicated and time-consuming and can take weeks. DoNotPay can make your life easier and take care of the process for you in minutes.
If you want to contact your bank but don’t want to get stuck on hold while contacting them, you can use our app to jump the phone queue for you.
How to Do a Credit Card Chargeback
If you made a purchase using your credit card, you could request a chargeback to that same card by contacting your bank. If the seller does not want to refund you, your bank may agree to do a chargeback and reverse the payment.
To request a chargeback, you need to contact your credit card issuer (your bank) and file a dispute. You’ll show them the transaction you’re disputing and provide the reason why you’re challenging it. This dispute is then sent to the merchant’s card processor, and then, it’s forwarded to the merchant.
The merchant can accept the chargeback, or he can deny it. If the merchant wants to deny the chargeback, they will have to send evidence that the transaction is legitimate and that you don't have valid grounds for getting the money back.
How to Do a Chargeback on Debit Card
Many people who used a debit card to make a purchase wish they could go back in time and use a credit card instead. This is because, with credit card purchases, you have better consumer rights, and you are able to keep the money on your account while waiting for the chargeback. Once you make a purchase using a debit card, the money is withdrawn from your account immediately, which means it will take more time and effort to get it back.
To start a dispute process for a debit card chargeback, you will need to contact the bank and fill out a form regarding the purchase. That includes providing the following details:
- Merchant’s information
- Transaction date
- Amount you paid
- Reason for the dispute
You will need to provide clear evidence for your chargeback to be accepted. Even if your request is granted, you will not get the money back right away. It usually takes at least ten days for that to happen.
Details to Keep in Mind
|Debit Card||Credit Card|
|Transaction type||Taking cash directly from your bank account||
Registers debt owned while your money stays on your account
Time to dispute a chargeback
|Longer, since consumer protection is much limited||
Shorter, since the money did not leave the cardholder's account
How long does it take to get the money back?
|Ten days or more||
Typically around two days
What Is the Time Window for a Chargeback?
You can request a chargeback 120 days after you made the purchase. You can do it for:
- Broken or malfunctioned goods
- Failed or late delivery
- Unauthorized transactions
- Double charges
How Long Does a Chargeback Take?
Unfortunately, there is no exact time frame within which you can get a chargeback. It usually takes several days for debit or credit card purchases, but it can also take much longer than that. The good news is that if you ask for a chargeback and your bank does not resolve the issue after eight weeks, you can file a complaint.
If the seller refuses to grant you a chargeback even though you are eligible, we are there for you. We can help you lodge a complaint and sue the company or individual seller in small claims court. We will also assist you in building your case and provide you with a script that you can use in court.
What Is the Difference Between a Chargeback and a Refund?
A refund is usually a matter between the merchant and the customer. A refund is returning the money to a customer if they have a legitimate problem with a purchase they’ve made.
A chargeback, on the other hand, is something that goes between a customer’s bank and a retailer. For a customer, there is no difference between a refund and a chargeback, since he/she is getting their money back — but for the merchant, these are two completely different things.
The chargeback reflects badly on the merchant and his account since they are issued by the cardholder’s bank. Chargebacks are extremely costly, and having a chargeback ratio of over 1% can lead to the merchant’s account being terminated.
If you enjoy buying stuff online and are looking to get an Amazon or Shopify chargeback, DoNotPay can assist you with that. PayPal and Zelle users can also request a chargeback with DoNotPay’s help, and the process does not take more than two minutes to complete.
No Need to Do Things on Your Own When DoNotPay Is Here
A chargeback request is not the only thing DoNotPay can do for you. We can be of assistance for a wide variety of life's trifles — from reporting annoying telemarketing calls to pushing back bills you cannot afford to pay at the moment. If you want to solve your problems with a mouse click in your browser, you can do that with DoNotPay. We’re here for you if you need help to:
- Sue companies in small claims court
- Deal with bills that you are not able to pay
- Protect yourself from stalking and harassment
- Schedule an appointment with the DMV
- Get refunds from any companies
- Request refunds for delayed or canceled flights
- Contest parking tickets
- Sign up for free trials risk-free
- Get rid of spam mail forever
- Dispute speeding tickets
- Deal with traffic tickets
- Get revenge on robocalls
- Jump the phone queue when contacting customer service reps
- Cancel or manage any subscriptions
- Resolve credit card issues