If you have cancelled unused merchandise or services and the merchant has not processed a refund, you may be able to dispute this.
Firstly, you must contact the merchant directly to discuss the cancellation and refund. Please ensure that you have cancelled the merchandise/services as per the merchant’s cancellation policy.
We always recommend keeping a record of all your communication with the merchant including your cancellation/return.
If you have not already, we may require you to return any merchandise that was collected/delivered, to progress your case.
Important Note:
We require evidence and information to support your dispute (I.e. Receipts and Copies of all your communications with the merchant).
Therefore, any evidence our Disputes Team may request is intended to strengthen your case or is the information we are obligated to provide when submitting a chargeback.
During the chargeback process, Capital on Tap is attempting to recover the funds on your behalf. However, we cannot guarantee that we will be successful in doing so, but we will utilise any evidence you can provide to support your case.
In most cases, we can only submit a chargeback within 120 days of the transaction date or the date you expected to receive the merchandise or services.