When Should I Raise a Dispute?

You can raise a dispute when:

• The transaction has already been posted (not pending), and
• You did not authorize the transaction, or
• You tried to resolve the issue with the merchant but were unsuccessful.
• The transaction is still within the dispute timeframe (further details: Dispute Process Timeframes)

Tip: 

For billing or service issues, we recommend contacting the merchant first, as many cases can be resolved faster this way.