How is an unauthorized charge dispute and a merchant dispute different?

An unauthorized charg is a charge you didn’t make or approve. It may mean your card may have been used without your permission. A merchant dispute is a charge from a business you recognize, but there’s a problem with the purchase, such as: You didn’t receive the item The charge is higher than expected The service wasn’t as described What to do if you suspect either one: Unauthorized charge – File a dispute right away. Merchant issue – Contact the merchant first to see if they can resolve it. If the merchant doesn’t resolve it, you can file a dispute. You’ll need to provide: Transaction details (date, amount, description) Supporting documents (receipts, messages, or proof of contact) See the steps to dispute a card transaction.