Chargeback

A chargeback is a formal dispute raised with your credit or debit card issuer, asking them to reverse a payment through the card network’s own rules (such as Visa or Mastercard). It exists for card transactions specifically, not for bank transfers or DuitNow payments.

When it matters

If you paid a scammer by credit or debit card, contact your card issuer as soon as possible, since most chargeback windows are time limited. You will usually need to explain what happened and provide any evidence, such as messages or screenshots showing the goods or service were never provided. A chargeback is separate from a bank recall, which applies to direct transfers instead, so check which payment method you actually used before deciding which route to pursue.