How do disputes work on my Merchant account?
New disputes
Here's what happens when your customer raises a dispute.
- Their card network (Visa or Mastercard) sends the case details to us.
- We debit the disputed amount, plus a fee, from your account and hold it until the case is resolved.
- One of our dispute agents contacts you (the Revolut Business or Revolut Pro account owner) via email to let you know a dispute has been raised. They support you throughout the case.
Please note: if you win a chargeback, or it gets cancelled, we’ll return the fee to you as well as the disputed amount.
Responding to a dispute
You usually have 15 days from the day you're notified of a dispute to respond.
1. Accepting a dispute
- If you accept the dispute, you agree to refund the customer for the disputed payment and pay the fee. In this case, the funds we withheld will be passed on to the customer.
2. Challenging a dispute
- If you disagree with your customer’s claim, you'll have to build a case and use evidence to support your appeal. The agent assigned to your case will guide you through the process. This is called a representment. The customer’s bank will review the submitted evidence.
- The card issuer will review your evidence and either accept or reject it. If they accept it, you win the case, and we return the withheld funds to your Revolut Business account.
- If the card issuer rejects your evidence, you may have a final opportunity to appeal. However, this means the case could go to arbitration.
- The agent assigned to your case will keep you updated and continue to guide you through the process.
3. Ignoring a dispute
- If you don't respond by the deadline, your customer automatically wins the case and the withheld funds won't be returned to you. Unless the chargeback gets cancelled, in which case you’ll automatically win.