Merchant refused your refund? Your bank can overrule them.
78% of merchant disputes we analyze are winnable — even after a refusal. Get a step-by-step chargeback plan in under 5 minutes. No lawyer needed.
⚠ You have up to 120 days from the charge date to dispute. Don't let the window close.
We handle disputes with
Adobe
Amazon
Netflix
Spotify
PayPal
Apple
Airbnb
Booking.com
Google
Microsoft
Uber
DoorDash
eBay
Shopify
Stripe
Wayfair
LinkedIn
Slack
Zoom
Canva
+240,000 more merchants covered
78%
of merchant disputes resolved
$8.4M+
recovered from merchant disputes
+$291 recovered
★★★★★
Adobe said the early termination fee was non-negotiable. Did I Buy It? gave me the exact reason code and evidence list. Bank reversed it in 6 days without even contacting Adobe.
+$580 recovered
★★★★★
Shopify merchant kept my money after a failed delivery. Their support ghosted me. Did I Buy It? showed me exactly what to say to my bank — dispute resolved in under 3 weeks.
+$450 recovered
★★★★★
Wayfair refused a return on damaged furniture saying it was outside the window. Did I Buy It? helped me argue 'not as described' instead. Completely different outcome.
How it works
Three steps to recovering your money
Takes under 5 minutes. No legal knowledge needed.
01
Step one
Describe what happened
Tell us about the transaction, what you ordered, what went wrong, and what the merchant said. 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 right reason code, what evidence to submit, scripts for your bank call, and your estimated success rate.
03
Step three
File with your bank
Submit your dispute with confidence. We include exact scripts, a downloadable PDF summary, and 24/7 support if your bank pushes back.
What you receive
Your merchant dispute plan, step by step
This is what your recovery plan looks like. The sensitive details are unlocked once you start your case.
Actual recovery plan — Wayfair · Item not as described · $450 recovered
Wayfair · Furniture · Item not as described
Merchant Dispute Plan
Estimated success rate: 74%
3 steps · ~10–25 days
Step 1 — Document the problem
Before contacting anyone, create an evidence file. This is what wins disputes.
✓ Photos of the damage or discrepancy on arrival
✓ Screenshots of the original product listing and description
✓ Order confirmation and delivery confirmation emails
✓ Full email thread with Wayfair support showing their refusal
Step 2 — Final contact with merchant
Send one final written request before filing your chargeback. Banks require evidence you tried. Use this exact script:
I am writing to formally request a full refund of $[amount] for order #[order number]. The item received was materially different from the product listing in the following ways: [description]. I have photographic evidence. If this is not resolved within 5 business days I will be filing a chargeback under Visa reason code 13.3.
Step 3 — File chargeback with your bank
If Wayfair doesn't respond within 5 days, call the number on the back of your card. You have 120 days from delivery.
Reason code13.3 — Not as Described / Merchandise Not as Described
What to sayI received merchandise that was materially different from what was described at time of purchase. The merchant has refused to resolve the issue. I am requesting a chargeback under reason code 13.3 with supporting photo evidence attached.
Evidence to sendArrival photos, product listing screenshot, order confirmation, merchant refusal email — compiled as single PDF
TimelineProvisional credit: 5–10 days. Final resolution: 10–25 business days.
Ready to dispute this charge?Takes under 5 minutes. Get your estimated success rate instantly.
Get my recovery plan →Before & after
The merchant is counting on you to give up.
Most people do. Here's what happens when you don't.
Going it alone
✗You contact the merchant. They quote their refund policy. You have no counter-argument.
✗You call your bank. You don't know the reason code. They deny the dispute.
✗You submit the wrong evidence. The case is closed against you.
✗Weeks pass. You miss the 120-day chargeback window.
✗You write off the loss. The merchant keeps your money.
With Did I Buy It?
✓You know in minutes whether the merchant refusal can be overturned — and exactly how.
✓Your dispute lands with the right reason code. Banks process it correctly the first time.
✓Your evidence checklist is tailored to your merchant. Nothing missing, nothing wasted.
✓You file before the deadline with a word-for-word script for your bank call.
✓Your bank rules in your favour. You get your money back.
Stop letting the merchant win by default.Analyze your case for free and find out exactly what you can do.
Analyze my case for free →Know your rights
A merchant “no” is not final
When you pay by card, your card network gives you independent dispute rights. The merchant's refund policy doesn't override them.
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.
Common cases
Sound familiar?
These are the most common merchant refusal scenarios we see. If yours matches — you very likely have chargeback rights.
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.
81% success rateavg. $180 recovered
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.
74% success rateavg. $240 recovered
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 regardless of the seller's policy.
76% success rateavg. $290 recovered
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.
68% success rateavg. $520 recovered
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.
72% success rateavg. $480 recovered
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.
70% success rateavg. $95 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
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.
⏱ Chargeback window: up to 120 days from charge date
The merchant said no.
Let your bank have the final word.
You've already been charged once. Don't let the deadline take away your last option. Get your dispute plan — evidence checklist, reason code, and scripts included.
Analyze my case for free →Under 5 minutes · No lawyer needed
284,000+cases analyzed
$18M+recovered
78%disputes won