What is the credit card merchant dispute process?

If you recognize a charge but there’s a problem with the purchase, you can file a merchant dispute. For a merchant dispute, you can file if you approved the charge but there’s an issue, such as: You didn’t receive the item The item wasn’t as described You were charged after canceling You were charged twice Before you file a dispute: 1. Wait for the charge to post, since you can’t dispute pending transactions. This usually takes up to 7 days. 2. Contact the merchant first—this is often the easiest, fastest way to fix the issue. 3. Gather your documents for proof in case the issue isn’t resolved. Examples include: Receipts or invoices Photos of the product or service Messages with the merchant Proof of cancellation See how to file a dispute Heads up: You have 90 days to file in the app. After 90 days, you'll need to contact Support online or in the app. After you file: We'll review the case and works with the merchant to resolve it We'll send you updates by email The process can take up to 120 days If the merchant is found responsible, you’ll receive a credit and any related interest is reversed. If they're found not responsible, the charge remains, along with any related fees or interest If you need more information, you can request your case documentation from support. If you can’t reach the merchant, don't worry—you can still file a dispute. Just include proof that you tried to contact them.