Money guide

Dispute a card payment with your bank

Ask a seller for a refund first, then use chargeback or section 75 through your card provider, and escalate to the Financial Ombudsman if you are refused.

Estimated time: 45–90 minutesUpdated: 28 September 2026

Use this guide when goods or services you paid for by card did not arrive, were faulty, not as described, or the company has gone out of business. Have your order confirmation, receipts, card statement, photos and any messages with the seller ready.

Step by step

  1. Contact the seller first

    Write to the seller explaining the problem and what you want, such as a refund, repair or replacement. Mention your rights under the Consumer Rights Act 2015, including the 30-day short-term right to reject faulty goods. Give a clear, reasonable deadline to respond.

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