Gather details: merchant name, date, amount, transaction ID/receipt, and any supporting documents
Contact the merchant first (if possible) to request a refund or correction
Identify the dispute type (fraud/unauthorized, not received, not as described, billing error, or cancellation not honored)
Collect evidence: screenshots, emails, order confirmations, tracking info, proof of return, and communication logs
Check your card issuer’s dispute window and deadlines
File the dispute with your card issuer through the official website/app or by phone
Provide a clear dispute explanation and select the correct category
Submit supporting documents when prompted
Keep copies of everything you submit and note case/dispute reference numbers
Monitor the dispute status and respond to any requests for additional information promptly
Verify your account for temporary credits or holds while the investigation is ongoing
If the dispute is denied, request the denial reason in writing and provide additional evidence if allowed
Escalate if needed: submit a formal appeal with your issuer or use any bank/consumer complaint process available in your region
For chargebacks involving recurring billing, confirm cancellation dates and any confirmation messages