Dispute & chargeback

A chargeback asks your bank to reverse a card payment when you didn't get what you paid for. It's a powerful tool, but it works best as a last resort — after you've tried to resolve things directly.

1. 1

   Try the direct route first

   Banks expect you to attempt resolution with the merchant before disputing. Open a support case and keep the case reference — that paper trail strengthens your dispute later.

2. 2

   Know the valid reasons

   Common grounds include: service not provided (e.g. cancelled flight with no refund), duplicate or incorrect charges, or a refund that was approved but never paid.

3. 3

   Mind the deadline

   Card networks typically allow around 120 days from the transaction or from the expected service date. Don't sit on a dispute — check your card issuer's exact window.

4. 4

   Assemble your evidence pack

   Include your booking confirmation, cancellation or denial correspondence, the refund approval (if any), screenshots, and dates of every contact attempt. Clear timelines win disputes.

5. 5

   File through your card issuer

   Contact your bank's disputes team (often available in the banking app). State the disputed amount, the reason code that fits, and submit your evidence pack.

6. 6

   Understand the risks

   A chargeback can take 30–90 days to resolve, the merchant can contest it, and a successful dispute may cancel any remaining value on the booking. File only for amounts genuinely owed to you.