How do I request a chargeback?

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's possible it will not post. Most charges can take 3 business days to post. In order to file a chargeback, the charge must clear first. You cannot file one on a pending transaction.

2. Was the transaction related to a stolen card or 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 to refund 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 an attempt to remedy the situation with the merchant directly in order to win a dispute. Emburse Cards will need written proof that you have contacted the merchant for a refund and they have 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, the process can take 30-90 business days before a resolution is determined. If you have any questions or would like an update on the status of your dispute, please submit a Support form HERE.

Submit a Chargeback Request

1. Go to the Transactions page.

2. Click on the "v" to the right of the transaction.

3. Click on Chargeback.

4. Complete the prompts from the form.

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