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How do I dispute a transaction I don't recognise?

Steps to dispute a charge that's wrong, unrecognized, or duplicated, and what happens next.

Written by John Byrne

How to submit a dispute

To dispute a transaction, follow these steps:

  1. Open Transactions and tap the charge you want to dispute.

  2. Select Something Wrong? → Dispute this Transaction.

  3. Choose the reason that best matches what happened:

    • You don't recognize the merchant

    • The amount charged is wrong

    • You were charged twice

Note: If you don't recognize the merchant at all, freeze your card immediately from Cards → Freeze Card while we investigate. This prevents any further charges from that merchant while your case is open.
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What happens after you submit a dispute

Once you submit a dispute, we open an investigation with the merchant and card network. This typically takes 5–10 business days.
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You can track the status of your case at any time in Transactions → Disputes.


​If the charge is confirmed as fraudulent or incorrect, you'll be refunded in full.

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