If you don't recognize a transaction or never received goods you paid for, you can dispute it and start the chargeback process.
When to Initiate a Chargeback
Before choosing to dispute a transaction, please ask yourself the following questions:
1. Is the transaction still pending?
If the transaction is still pending, it may not post. Most charges can take 3 business days to post. To file a chargeback, the charge must first clear. You cannot file one on a pending transaction.
2. Was the transaction related to a stolen card or a merchant incorrectly charging the card?
If the card was stolen or the merchant incorrectly charged the card, we always recommend contacting the merchant immediately.
3. Have you requested a refund from the merchant?
The easiest way to resolve a disputed transaction for all parties is often to go directly to the merchant and ask for a refund of the charge. It's much faster than the chargeback process and requires less work for all parties involved.
Chargeback Requirements
If the card was not lost or stolen, you will need to show that you attempted to resolve the issue with the merchant directly to win a dispute. Emburse Cards will need written proof that you have contacted the merchant for a refund and that the merchant has denied your request.
Chargebacks must be requested within 110 calendar days of the transaction. Please allow us a few days to process the chargeback request.
After submitting a chargeback request, it may take 30 to 90 business days for a resolution to be determined. If the dispute is resolved in your favor, the funds will be returned to your company’s account.
Submit a Chargeback Request
- Go to the Transactions page.
- Click on the "v" to the right of the transaction.
- Click on Chargeback.
Complete the prompts from the form.
Important Note: Chargebacks can only be canceled within 24 hours of submission.