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How do I raise a dispute?

If the merchant is unable to help, we can look to raise a 'chargeback'

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Written by George Thomas
Updated over a month ago

If you’ve made a purchase with your Zable card and the merchant isn’t resolving your issue, we may be able to help you get your money back.

What to Do Before Raising a Dispute:

  • Contact the merchant first: Give them at least 10 working days to respond and try to resolve your issue.

  • Keep your communication in writing (such as email), as we’ll need this as proof if we need to investigate further.

When Can You Raise a Dispute?

  • We must wait 15 days from the transaction date before raising a dispute, to allow the merchant time to resolve things.

  • If you haven’t received goods, we need to wait 30 days from the transaction date to allow for delivery.

Next Steps:

  • If the merchant cannot help or doesn’t respond, you can raise a dispute in the app here.

  • Once you submit your dispute, our team will contact you within 7 days.

Please note:

  • We can’t reopen a resolved dispute, but you can send new supporting evidence for further review.

  • You cannot raise a dispute for any issues you may be having with a balance transfer. If you are having issues with a balance transfer, please request to speak to the team so someone can investigate this for you.

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