If a card charge is wrong or you don't recognize it, a card admin can dispute it from the transaction. Cardholders: ask your card admin to raise it.
Before you dispute
For a wrong amount or an item that never arrived, contact the merchant first – it's usually faster. Only completed charges can be disputed, so wait for a pending charge to complete.
Dispute a transaction
Go to Cards › Transactions and open the charge.
Select Dispute transaction.
Choose a dispute type and add any details or evidence.
Select Submit dispute.
What happens next
Our card partner reviews the dispute and may ask you for more information within 30 days. Visa then assesses it, which takes 60–90 days.
Add evidence when you submit – receipts, merchant emails or a cancellation confirmation help the case move faster.
Disputes of $30 or more carry a third-party processing fee, whatever the outcome. Charges under $30 can't be disputed with the card network.
There's no temporary credit while a dispute is open. Your card spends from your prefunded balance, not a credit line, so any refund follows the outcome.
If you don't recognize a charge
Freeze the card right away, then dispute the charge. If the card may be compromised, terminate it from Manage › Terminate card. If we cancel a card for unauthorized use, we don't reissue it – a card admin issues a new one from Cards.
Freeze the card first. You can freeze it even while the charge is pending – only the dispute has to wait.
See Freeze your card.