If you have made a purchase with your Zable card and you have an issue with it that the merchant is not resolving for you then we may be able to get the money back for you.

We aren't able to raise a dispute unless you first contact the merchant to give them the opportunity to resolve the issue for you. Please ensure that your communication with the merchant is in writing (e.g. email) as we require proof of the correspondence to be able to investigate this for you.

You need to give the merchant at least ten working days to respond and help you.

If the merchant could not help or hasn't responded, please get in touch with our disputes team via here.

Please note that if you are looking to raise a dispute as goods haven't been received, we do need to wait 30 days from the date of the transaction to allow the merchant time to either deliver the goods or to contact you to make alternative arrangements.

After receiving your evidence, our team will contact you within 4 - 5 weeks to discuss further steps regarding your claim. If your claim is accepted, the team in most cases will credit your account with a temporary refund while they contact the merchants bank to resolve the matter. Please remember that this credit is subject to our terms and conditions and the outcome of the dispute. If the dispute is lost the refund will be reversed.
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The overall dispute process can take 2 - 6 months.