Can I Get a Chargeback Even if I Authorized the Payment?

Yes. However, when making a chargeback claim, it’s important to understand the difference between a fraud claim and a dispute. If you notice unauthorized transactions on your credit card, file a fraud claim. However, if you suspect a broker or merchant is a scam, you’ll need to request a chargeback in the dispute category. This involves presenting your case to the issuing bank and they will also ask the other side to make their case. The issuing bank will make the final decision about whether to grant the chargeback.