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Debit Card – It applies to all debit card goods, although exact rules may vary between the Visa, Maestro, and American Express networks.

Credit Card – Chargeback is particularly useful where the cost of the goods or services was under £100 while Section 75 doesn’t apply. For all credit card transactions over £100, you also have rights under Section 75 of the Consumer Credit Act.

When can chargeback be used?

A chargeback applies in cases of goods not arriving at all, damaged, different from the description, or where the merchant has ceased trading. If you ordered two items and only one arrived, ask for the money based on the item you didn’t receive.

But you can’t claim back the cost of fixing a faulty item. Chargeback doesn’t mean there is a joint liability on the card company. You should address claims to the bank that provides your debit or credit card.

What could be the outcome?

As a result, you could recover funds from the merchant’s bank if it’s possible. But, there are no guarantees your bank will recover the money through chargeback.

The trader could argue that you’re in breach of contract for not paying. We advise our readers to use caution whenever seeking online services/products.

Is there another option?

Yes, anyone could turn to various licensed recovery companies online. These companies specialize in the chargeback field and might save precious time dealing with the bureaucracy.