Refused? Ghosted? No refund?

Merchant said no? Your bank won't.

78% of merchant disputes are winnable — even after a refusal. We build your battle plan in under 5 minutes. No lawyer. No begging.

Get my recovery plan →

🔥You have 120 days. After that, your money is gone for good.

Sarah M.

vs. Adobe

★★★★★

"Adobe said the early termination fee was non-negotiable. DidIBuyIt gave me the exact reason code and evidence list. Bank reversed it in 6 days. They didn't even contact Adobe."

Refunded

$291

1 week ago

James K.

vs. Shopify Store

★★★★★

"Shopify merchant kept my money after a failed delivery. Their support ghosted me. DidIBuyIt showed me exactly what to say to my bank — dispute resolved in under 3 weeks."

Refunded

$580

2 weeks ago

Rachel P.

vs. Wayfair

★★★★★

"Wayfair refused a return on damaged furniture saying it was outside the window. DidIBuyIt helped me argue 'not as described' instead. Completely different outcome."

Refunded

$450

3 weeks ago

8,400+ merchant disputes won

$8.4M+ recovered from merchant refusals

We handle disputes with

Adobe

Amazon

Netflix

Spotify

PayPal

Apple

Airbnb

Booking.com

+240,000 more merchants covered

Works with

Visa

Mastercard

Amex

Discover

PayPal

Apple Pay

Google Pay

Stripe

Klarna

Afterpay

Cash App

Venmo

Three steps. Five minutes. A dispute you can file today.

No lawyers. No hold music. We help you prepare; you file with your bank.

Step one

Tell us what happened

Quick and painless — answer a few questions about the charge, the merchant, and what went wrong. Our AI classifies your case. Under 3 minutes.

Step two

We build your dispute package

We reference bank regulations, merchant policies, and common dispute patterns to help you pick the strongest angle for your case.

Step three

You file it

You get a step-by-step playbook: what to say to your bank, what evidence to attach, scripts for every call — plus a ready-to-file PDF you submit yourself.

Going in blind vs. going in armed

The merchant is counting on you to give up. Most people do. Here's what happens when you don't.

✗Going it alone

✗Call the merchant. They quote their policy. Conversation over.

✗Call your bank. Use the wrong reason code. Denied.

✗Submit random evidence. Case closed against you.

✗Weeks pass. The 120-day window slams shut.

✗Write off the loss. Hate yourself a little.

✓With Did I Buy It?

✓Know in 60 seconds if the merchant's "no" can be overturned.

✓Hit the bank with the exact reason code that works.

✓Evidence checklist built for your specific merchant. Nothing missing.

✓Word-for-word script for the bank call. No guessing.

✓Bank rules in your favour. Money back. Merchant loses.

Stop letting the merchant win by default.5 minutes. No lawyer. No risk.

Fight this charge →

Their “no refund” policy? Doesn't matter.

When you pay by card, Visa, Mastercard, and Amex give you dispute rights that override any merchant policy. They just hope you don't know that.

Why it works

Card network rules override merchant policy

Visa, Mastercard, and Amex all have chargeback rules that apply regardless of what the merchant's refund policy says. If you received something "not as described," or were billed incorrectly, you have grounds.

What matters

Evidence is everything

Banks need to see that you attempted to resolve with the merchant first, and that the charge was wrong. The right evidence — and the right framing — is what makes disputes succeed.

The deadline

You have up to 120 days

Most card networks allow disputes up to 120 days from the charge date. Don't wait — the sooner you file, the stronger your position. We'll tell you exactly how much time you have left.

Sound familiar?

A merchant's “no” isn't the last word — your bank has separate dispute rules.

Adobe / Netflix / Spotify

“Our cancellation policy doesn't allow refunds.”

You cancelled. They charged anyway. Their policy doesn't override your card network's rules on unauthorized recurring billing.

Wayfair / ASOS / Shein

“The return window has closed.”

Item arrived damaged or completely different from what was shown. The return window is irrelevant — "not as described" is a separate dispute right.

Shopify / Etsy / Fiverr

“We don't issue refunds once work starts.”

You paid for a service that was never delivered or was fundamentally different from what was agreed. That's a valid dispute basis regardless of the seller's policy.

Booking.com / Airbnb / Hotels.com

“This booking is non-refundable.”

Property was nothing like the listing, or host cancelled on you. Non-refundable doesn't apply when the product wasn't delivered as described.

Microsoft / HubSpot / Slack

“Annual contracts are non-cancellable.”

You were auto-upgraded, billed for the wrong tier, or charged for seats you never activated. Billing errors are disputable regardless of contract terms.

Uber / DoorDash / Lyft

“Our investigation found the charge was valid.”

A platform closed your complaint internally. That's not the end. You can still file with your bank independently — their investigation is separate from the platform's.

Recognize your situation?Tell us what happened and we'll help you build a bank-ready dispute.

Build my dispute →

FAQ

Questions about merchant disputes

The merchant's policy says no refunds. Can I still dispute?+

Yes. A merchant's no-refund policy does not override your card network's chargeback rules. If the item was not as described, the service wasn't delivered, or you were billed incorrectly, you likely have grounds regardless of the policy.

Do I need to contact the merchant before filing a chargeback?+

Yes — banks will ask if you attempted to resolve directly first. You need to document that you tried. We include a script for your merchant contact and help you capture the right evidence from that interaction.

What if the merchant already gave me store credit instead of a refund?+

If you paid by card, you're generally entitled to a refund to your card — not store credit. In many cases, accepting store credit and then filing a chargeback can complicate your case. We'll advise you on the best approach for your situation.

How long does the chargeback process take?+

Most banks resolve disputes in 10–30 business days. In many cases you'll receive a provisional credit within 5–10 days while the investigation is underway. We include expected timelines in your recovery plan.

What if the merchant responds to the chargeback and disputes it?+

Merchants can submit a rebuttal to your bank. This is why evidence quality matters so much. Your recovery plan includes guidance on pre-empting the most common merchant rebuttals and what to do if your bank comes back with questions.

Will filing a chargeback affect my relationship with the merchant?+

Merchants can ban accounts after a chargeback. For subscription services you're cancelling anyway this is irrelevant. For merchants you want to keep using, we'll flag this and suggest the strongest approach to resolve directly first before escalating.

I already disputed once and was denied. Can I try again?+

Yes — a bank's first response is often not final. Many successful chargebacks happen after an initial denial, because the customer resubmitted with stronger evidence or used the correct reason code on the second attempt. We'll tell you exactly what went wrong and how to fix it.

Is this legal? Am I allowed to do a chargeback if the merchant refused?+

Completely legal. Chargeback rights are built into the card network agreements between your bank and Visa, Mastercard, or Amex. These rights exist independently of the merchant's policies. You're not doing anything wrong by exercising a right your card gives you.

Why not just call my bank directly instead of using Did I Buy It??+

You can — and sometimes that works. But most people who call their bank without preparation use the wrong reason code, submit incomplete evidence, or miss key details that lead to an instant denial. Did I Buy It? gives you the exact reason code, a tailored evidence checklist, and word-for-word scripts before you pick up the phone. It takes 5 minutes and it's free to start. The difference in outcome is significant.