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Filing a chargeback and not sure how? We'll make sure it wins.

Most chargebacks that fail had a winning case — they just filed it wrong. We give you the exact reason code, the right evidence, and word-for-word scripts. Your bank will have no grounds to deny it.

Get the right reason code →How it works
⏱ 60–80% of chargebacks fail due to wrong reason code or missing evidence. Get it right.
83%
of Refunder-guided chargebacks resolved in favour of cardholder
$18M+
recovered across all chargeback types
+$920 recovered
★★★★★

"I filed a chargeback myself and got denied. Did I Buy It? told me I'd used the wrong reason code. Refiled with the right one and the right evidence. Approved in 11 days."

NW
Nina W.
Airbnb · $920 recovered · Berlin
+$1,840 recovered
★★★★★

"Azure hit me with a $1,840 overage charge. I had no idea how to frame it as a dispute. Did I Buy It? gave me the exact reason code and script. Bank sided with me."

RK
Raj K.
Microsoft Azure · $1,840 recovered · Singapore
+$291 recovered
★★★★★

"The evidence checklist was what made the difference. I'd submitted my dispute without the cancellation email timestamp. That one document won the case."

SM
Sarah M.
Adobe · $291 recovered · California
What you need to know

Why most chargebacks fail — and how to avoid it

Key fact
Wrong reason code
Every chargeback needs a specific reason code — a number that tells your bank what type of dispute it is. Using the wrong one is the single most common reason chargebacks are denied immediately. We give you the exact code for your case.
Key fact
Missing or wrong evidence
Banks need specific documentation depending on the dispute type. “I didn't get what I paid for” is not enough. You need to submit the right evidence in the right format. Our checklist tells you exactly what to include.
Key fact
Poor timing
You have 60–120 days from the charge date depending on your card network. Filing too late is an automatic denial. Filing too early — before contacting the merchant — can also hurt your case. Timing matters. We tell you exactly when to file.
How it works

Three steps to your recovery plan

Takes under 5 minutes. No legal knowledge needed.

01
Step one

Describe what happened

Tell us about the charge — when it appeared, how much, and what you know about it. We'll classify your case and identify your strongest dispute grounds.

02
Step two

We build your case

Our AI generates a tailored recovery plan: the exact reason code, what evidence to collect, scripts for your bank, and your estimated success rate.

03
Step three

File and recover

Submit your dispute with confidence. We include downloadable PDF summaries and 24/7 support if your bank pushes back.

Ready to get your money back?Get your estimated success rate and recovery plan in under 5 minutes.
Get the right reason code →
Common cases

Chargeback scenarios we handle

Item not received
“Paid for goods that never arrived”
One of the strongest chargeback cases. Reason code: Visa 13.1, MC 4853. Evidence: order confirmation, tracking showing non-delivery, merchant refusal.
87% success rateavg. $210 recovered
Item not as described
“Product significantly different from listing”
Covers counterfeit goods, major quality issues, wrong item. Must show material difference from what was described at time of purchase.
74% success rateavg. $280 recovered
Cancelled recurring
“Charged after confirmed cancellation”
Strong grounds under Visa 13.3 / MC 4853. Requires cancellation confirmation and evidence merchant was notified before charge.
81% success rateavg. $180 recovered
Duplicate charge
“Charged more than once for same transaction”
Straightforward — requires two matching charges on statement. Banks resolve these quickly.
93% success rateavg. $140 recovered
Services not rendered
“Paid for service that wasn't delivered”
Covers contractors, events, software, travel. Need to show payment was made and service was not delivered as agreed.
76% success rateavg. $460 recovered
Unauthorized transaction
“Charge you didn't authorize”
Fraud-related. Some of the strongest consumer protections — zero liability under Visa/MC. Act within 60–120 days.
85% success rateavg. $340 recovered
Recognize your situation?Tell us what happened and we'll identify your exact dispute rights in under 5 minutes.
Get my recovery plan →
FAQ

Common questions

What's the difference between a refund and a chargeback?+
A refund comes from the merchant voluntarily. A chargeback is a forced reversal you initiate through your bank — it goes around the merchant entirely. Chargebacks are more powerful but require proper documentation and a valid reason code.
Will a chargeback hurt my credit score?+
No. Filing a chargeback does not affect your credit score. It's a consumer protection mechanism, not a credit event.
Can a merchant sue me for filing a chargeback?+
In theory, yes — but it's extremely rare and only happens in cases of clear abuse (filing chargebacks for transactions you did authorize and did receive). For legitimate disputes, merchants virtually never pursue legal action.
What happens after I file a chargeback?+
Your bank issues a provisional credit (usually within 5–10 days), then investigates. The merchant can respond with a rebuttal within 30 days. If they don't respond or their rebuttal is weak, you win. We prepare you for both scenarios.
Can I file a chargeback if I already accepted a partial refund?+
Yes, but only for the remaining disputed amount. Accepting a partial refund can complicate your case — we'll advise on whether it's better to reject the partial refund and dispute the full amount instead.
What if the merchant disputes my chargeback?+
Merchants can submit a rebuttal within 30 days. This is called "representment." If they do, your bank reviews both sides. Strong evidence — especially a paper trail showing the merchant's refusal — is what wins at this stage. We prepare you for it.
⏱ 60–80% of chargebacks fail due to wrong reason code or missing evidence

Most chargebacks that lose had a winning case.
Don't be one of them.

Get the exact reason code, evidence checklist, and bank scripts for your case. Takes under 5 minutes.

File it right →

Under 5 minutes · No lawyer needed

83%success rate
$18M+recovered
120 daysto file
Get my money back →