Contact the merchant first and request a refund
Gather evidence such as receipts, order confirmations, emails, screenshots, and delivery records
Review your card issuer’s chargeback policy and deadline
Log in to your bank or card issuer account or call customer service
Report the transaction as disputed or request a chargeback
Provide the transaction details and reason for the dispute
Submit your evidence and any required forms
Monitor your account for provisional credit or case updates
Respond promptly to any requests for more information
Keep records of all communications until the case is resolved