| Method | Reversible | Time limit | Decided by |
|---|---|---|---|
| Credit card | Yes, by chargeback | Usually 120 days | The card scheme |
| Debit card | Sometimes | Usually 120 days | The card scheme |
| EFT | No | None | Nobody, it is a push payment |
| Debit order | Yes, by dispute | 40 days, or 1 day for DebiCheck | Your bank |
| PayShap or RTC | No | None | Nobody |
| Crypto | No | None | Nobody |
| Ground | Example |
|---|---|
| Goods or services not received | Paid and nothing was delivered |
| Not as described | Materially different from what was offered |
| Unauthorised transaction | The card was used without your consent |
| Duplicate charge | Charged twice for one purchase |
| Cancelled recurring payment | Charged after cancellation |
| Credit not processed | A refund was agreed and never paid |
| Issue | Go to |
|---|---|
| A bank's handling of a dispute | National Financial Ombud |
| A licensed broker's conduct | FAIS Ombud |
| An unlicensed operator | FSCA, and the police |
| A card transaction | Your bank first, then the ombud |
| A credit agreement | National Credit Regulator |
Data maintained by TradeAnswers · updated as the figures change