What is the "chargeback"?

What is the chargeback procedure?

Where a trader, whether French or foreigners, does not respect the rights of the consumer, the

Revocation of a payment is already possible thanks to European directives. Some credit card businesses also offer the reimbursement of sums paid by card in cases broader than the situations provided for in these texts, for example:

• card theft;
• card hacking;
• proven fraud;
• business bankruptcy;
• non-delivery by the trader.

How do I request the chargeback procedure?

• Contact your bank
  Explain your situation to them with the evidence, and ask them to contact your credit card brand to get the refund via the

  chargeback

  .
  Please note that they are obliged to reimburse you if it is a fraud or an unauthorized payment (without entering the card code) when, for example, a professional uses your bank details when placing an order on a website to get you to subscribe without your knowledge.
• Please contact your credit card business
  In case of non-response or bank failure, contact your credit card brand customer service directly via their online form. You will need to summarize your claim and send it a

  Reason Code

  . This code is a number corresponding to your claim. You will find it in the general conditions of sale of your credit card brand or on its website.

Your claim must be submitted before the expiration of 8 weeks from the date the funds were debited.

Within 10 working days of receipt of the request for reimbursement, the payment service provider shall either reimburse the full amount of the payment transaction or justify its refusal to reimburse, indicating the possibility of recourse to the mediation procedure.

• If your request for

  chargeback

  does not result in a refund, you can:
  
  • use your bank's ombudsman;
  • contact European Consumer Center France (CEC France), body responsible for persistent disputes with a trader established in another EU country.