How to dispute a transaction

What is a dispute?

Is a chargeback the same thing as a dispute?

How can I dispute a transaction on my card?

What information is required to submit a dispute?

What can I expect once I’ve submitted my dispute?

How long does a dispute typically take?

Does Nearside offer provisional credit?

 

What is a dispute?

A dispute is when a cardholder questions a transaction that they see associated with their card account. It’s possible that this transaction is due to the card being lost or stolen. It’s also possible that the disputed transaction has something to do with a refund or an overcharge.

If your card was lost or stolen, please make sure to report it to us by calling 888-516-2369 so we can deactivate the lost or stolen card, and ship you a new one.

Is a chargeback the same thing as a dispute?

"Chargeback" is another another term for a dispute. 

How can I dispute a transaction on my card?

Please contact the merchant first to attempt to resolve the transaction as a refund before filing a dispute.

If you are unable to resolve the issue with the merchant, you can dispute a transaction by emailing us at help@nearside.com.

What information is required to submit a dispute?

Basic information about the transaction is required, in addition to a description of the reason for the dispute. Any additional information you can provide to us, like a receipt or an email exchange between you and the merchant, will help the dispute process move along more smoothly.

What can I expect once I’ve submitted my dispute?

Nearside will review the information that you have provided for your dispute, determine if we need more information, and submit it to the card-issuing bank on your behalf. If we require additional information, we will communicate with you directly via the email associated with your Nearside account. 

How long does a dispute typically take?

A dispute typically takes anywhere between 60-90 days. Wow! That seems like a long time, doesn’t it? There is often a lot of back and forth between the merchant, the card-issuing bank, Visa, and Nearside to file and resolve a dispute. That’s why we request as much information as possible, upfront! It can make the process go more quickly and can make things easier for you and everyone else.

Does Nearside offer provisional credit?

We do not provide provisional credit at the time of a dispute.