You may be able to request chargebacks for many reasons. The most common are when:
You pay for products or services with a debit or credit card, and:
- the products or services received are not as described
- you do not receive the products or services at all or within the agreed timeframe
- there are duplicate or fraudulent transactions
- charges are made without permission
- unrecognised transactions appear
- the business stops operating and does not supply the purchased product or service
There are circumstances when a chargeback may not be available. For example, if you:
- paid with cash, money transfer, cheque, direct debit or BPAY
- are eligible to lodge an insurance claim
- have already been compensated