Template notice. This document is published as a starting template. Final terms are subject to review by qualified counsel and to the specific licences and jurisdictions in which NextPayment operates.
1. What a chargeback is
A chargeback is a payment reversal initiated through the card scheme when you believe a transaction was unauthorized, not as described, or never delivered. It is separate from a merchant refund and has specific rules set by Visa and Mastercard.
2. When you can raise a chargeback
Common eligible reasons include:
- You did not authorise the transaction.
- The goods or services were not received.
- The goods or services were materially different from what was described.
- The merchant double-charged or charged the wrong amount.
- A recurring charge continued after cancellation.
3. Timing
Raise the chargeback as soon as possible — most scheme rules require filing within 120 days of the transaction or of the date you were supposed to receive the goods. Late claims may be rejected.
4. How the process works
We collect your evidence, credit the disputed amount back to you where applicable, and submit the case to the card scheme. The merchant has the right to respond. Final outcomes usually take 30–60 days.