Chargeback Letter
Generator
Check if you can get your money back through a chargeback and generate a letter for your bank.
All Major Cards
Works with Visa, Mastercard, and American Express chargebacks.
Time Limit Check
Instantly tells you if you're within the chargeback window.
Free Letter Template
Get a ready-to-send letter for your bank's disputes team.
Chargeback Eligibility Check
Enter your transaction details to check if you can request a chargeback.
Chargeback vs Section 75
Any card, any amount. Card scheme rules (not law). 120 days.
Credit cards only, £100.01–£30,000. UK law. 6 years.
Common Questions
What is a chargeback?
A chargeback lets you ask your bank to reverse a card transaction. It's different from a refund — the bank takes the money back from the merchant on your behalf.
How long do I have to file a chargeback?
Generally 120 days from the transaction date for Visa, Mastercard, and Amex. Some dispute types have shorter windows.
What's the difference between a chargeback and Section 75?
Chargebacks work with debit AND credit cards but are a card scheme rule, not law. Section 75 only applies to credit card purchases £100.01–£30,000 but is backed by UK legislation — making it stronger.
Chargeback Not Enough?
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