Chargeback

If you have been scammed, had money withdrawn without your consent, or were not provided promised services, you have a chance to get your funds back using a chargeback.

Chargeback – is a procedure for disputing a transaction, in which the bank initiates a return of money to the client's card. This tool helps protect consumer rights, especially in cases of fraud.

How does chargeback work?

1. You submit a request to the bank, explaining the situation and providing evidence.
2. The bank reviews your application and contacts the payment system (Visa, MasterCard, American Express).
3. The payment system analyzes the arguments and requests explanations from the company that received the money.
4. If the client's arguments are justified, the funds are returned to their card.

⚠ Important! Chargeback only works for payments made through bank cards. If you transferred money via cryptocurrency or P2P transfer, this method is unavailable.

Chargeback – is a powerful tool, but it's important to properly fill out the application and know how to act. Next, we will analyze in which cases you can use this method.

To increase the chances of a successful refund, it is important to correctly submit the application. Here is a step-by-step algorithm:

1. Gather evidence – prepare screenshots of conversations, contracts, receipts, bank statements proving that you were deceived. The more evidence you have, the higher the probability of a favorable decision.
2. Contact the seller (if possible) – sometimes companies agree to return the money voluntarily. Send an official request for a refund and record the response.
3. Contact the bank – call customer support or visit the bank branch. Inform them that you want to process a chargeback and clarify the requirements.
4. Fill out the application – the bank will provide a form where you need to specify the amount, transaction date, recipient details, and reason for the refund. It is important to explain the situation in detail.
5. Wait for application review – banks analyze the request within 30–120 days. During this period, additional document requests may occur.
6. File a complaint if necessary – if the bank denies, you can contact higher authorities such as the payment system (Visa, Mastercard) or the financial regulator.

⚠️ Important!
The chargeback procedure requires legal literacy and strict adherence to the regulations. Mistakes in submitting the application may lead to denial. To increase the chances of success, entrust the procedure to the professionals at GdeTrust – our specialists will help process the chargeback and return your money.

The approval of a chargeback depends on a number of factors, including the bank's policy and the specifics of the particular transaction. However, there are several banks that are generally more favorable to chargeback requests, which increases the likelihood of a successful refund.

1. Large banks and international financial institutions. Banks with an international reputation and close ties to global payment systems are most likely to approve chargebacks. This is because such organizations have standardized processes for handling refunds and extensive experience in resolving disputes.
2. Banks with a good reputation for customer service. Banks that actively work with customers and care about maintaining a good image are also inclined to positively resolve chargeback requests. Such institutions usually include banks that provide convenient online services and a personalized approach to each client.
3. Banks supporting reliable payment systems. Some banks that actively cooperate with well-known payment systems (such as Visa or MasterCard) often have more efficient and flexible processes for refunds. This is because they work with international standards and offer convenient mechanisms for submitting requests.

GdeTrust works with a wide range of banks and payment systems, allowing us to effectively resolve refund issues and increase the likelihood of a successful chargeback for our clients. We are ready to help you choose the best path for submitting a request and guide you towards those banks that are more likely to approve your chargeback.

Not all chargeback requests are approved. Banks and payment systems may deny them for several reasons:

• Expired application deadline – for most payment systems, the maximum period is 120 days from the transaction date. If this is missed, the likelihood of a refund decreases sharply.
• Insufficient evidence – if you provided little information about the fraud or failed to prove that the service was not rendered, the bank may deny it.
• Agreement with the broker or seller – some banks refer to the user agreement, which states that the client is aware of the risks. This is not always legal but can complicate the process.
• The transaction was conducted voluntarily – if you transferred the money yourself and were not a victim of unauthorized debiting, the bank may consider it a conscious action.
• Errors in the application – even small inaccuracies in filling out the form can be a reason for denial. Banks require accuracy and compliance with established rules.

What to do if the bank denies it?

Do not give up! In many cases, a denial can be challenged. GdeTrust specialists know how to correctly submit a repeat application, argue your case, and prove the illegitimacy of the charge. We will help you get your money back, even if the bank has already made a negative decision.

To increase the chances of a successful Chargeback, it is necessary to follow several key recommendations. The likelihood of receiving a refund will be significantly higher if you consider important aspects, starting from the correct approach to contacting the bank to collecting all necessary documents.

1. Contacting the bank as soon as possible. The sooner you initiate a Chargeback, the higher the likelihood of a successful return. Banks usually set a deadline for submitting a request, and if this deadline is missed, the chances of a positive outcome are significantly reduced. Therefore, it is important to act promptly.
2. Providing supporting documents. In order for the bank to consider your Chargeback request, it is important to provide all necessary evidence. These can include communications with the seller, receipts, contracts, and other documents that prove the transaction was erroneous or invalid.
3. Proof of breach of terms. Chargebacks are most often approved in cases of breach of contract terms, such as if the product was not delivered, does not match the stated specifications, or the service was not provided. The clearer and more convincing the evidence you provide, the higher the likelihood of success.
4. Professional support. In some cases, additional help is needed for a successful refund. GdeTrust provides services for preparing and submitting a Chargeback request and also offers consultation at all stages of this process. We help gather documents, justify your request, and interact with the bank to achieve a positive decision.

With the help of GdeTrust, you will receive qualified support and significantly increase your chances of a successful refund. We will accompany you at each stage and ensure that your request is considered as efficiently as possible.

GdeTrust provides professional assistance in the Chargeback process, making the refund process as simple and effective as possible for our clients. We understand how important this process is for you and offer comprehensive support at all stages.

1. Consultation and situation analysis. In the first stage, we analyze the situation and advise whether Chargeback is suitable for your case. We carefully assess all transaction details to understand if there is a basis for submitting a request. This helps avoid unnecessary rejections and speeds up the refund process.
2. Preparation of necessary documents. We help gather all the necessary documents that may be needed to submit a chargeback. This includes evidence of breach of transaction terms, correspondence with the seller, receipts, and other important materials. We ensure that everything is prepared correctly and in accordance with bank requirements.
3. Submission of the request through the bank. We work with banks to submit the Chargeback request on your behalf. Our specialists have experience working with various banks and payment systems, allowing us to ensure that your request is submitted correctly and on time.
4. Resolution of disputed situations. In case of rejection, we help you understand the reasons and, if necessary, file an appeal or resubmit the request. We are always on your side and do everything possible to return your money.
5. Information at every stage. We maintain constant communication with the client, informing them about the progress of the process. You will always be aware of all updates and changes.

With GdeTrust, you not only receive professional assistance but also the assurance that your request will be processed promptly and with the highest chances of a successful outcome. We care about your interests and are ready to provide all necessary resources for the refund.