Chargeback Request Letter Template & Generator

If you need to request a chargeback from your bank or credit card provider, a written letter is the recommended first step — it creates a clear record and shows you're pursuing the matter formally. Below is what a strong chargeback request should include, plus a free tool to generate yours.

What this letter needs to cover

• Identify the transaction with date
• Amount
• Merchant and card details
• Describe the issue (goods not delivered
• Not as described
• Faulty
• Or service not provided)
• Confirm attempts to resolve directly with the merchant
• Request a chargeback under the card scheme rules
• Request written confirmation of the dispute being raised

How chargeback actually works

Chargeback is a process run by card payment schemes (like Visa and Mastercard) that lets your bank reverse a card payment in certain circumstances — most commonly when goods weren't delivered, were significantly not as described, or a company has ceased trading. It's not a legal right in the same way as Section 75 protection, but banks generally follow the scheme rules in good faith when a claim is properly evidenced.

What to include before you send it

• The transaction details — date, amount, and merchant name as it appeared on your statement
• A clear explanation of what went wrong — non-delivery, faulty goods, or a service not provided
• Evidence of any attempt to resolve this directly with the merchant first
• Confirmation of what outcome you're seeking — typically a full refund via chargeback

Timing matters for chargeback claims

Chargeback claims generally need to be raised within a set window from the transaction date — commonly around 120 days, though this can vary by card scheme and circumstance. Don't leave it too long after realising something's gone wrong, since delays can affect whether a chargeback can still be processed.

Frequently Asked Questions

What's the difference between chargeback and Section 75?
Section 75 is a legal right that applies to credit card purchases between £100 and £30,000, making the credit card company jointly liable with the retailer. Chargeback is a scheme-based process that can apply more broadly, including debit cards and smaller amounts, but isn't a legal right in the same way.

Can I use chargeback if the retailer has gone into administration?
Yes, this is one of the most common valid reasons for a chargeback claim, since there's no longer a trading company to pursue directly.

See our full letter template & generator library for related letters, or use our free checkers for guidance specific to your situation.