Potrzebujesz pomocy?

Up to 85% of disputes are resolved within 5 weeks, while complex cases may take up to 12 weeks. Since the process is regulated, we can't speed this process up. To track your dispute status, tap the transaction in your Revolut app.

Initial assessment

You fill out a form to initiate the dispute. If we need more information, we will reach out to you. After this, we will come to an initial decision.

Possible outcomes: dispute is successful — you get a refund, declined or cancelled — you are not refunded and case is closed, we raise case to merchant — case is still open and proceeds to the next step.

Merchant review

If we decide to raise the dispute to the merchant, we reach out to them. The merchant has 30 days to respond for Visa or 45 days for Mastercard transactions. If they agree or don't respond, you'll receive a refund for the associated transaction(s). If they disagree, the case will proceed to the next step.

Second assessment

We receive and review the merchant's evidence within 5 days and come to a new decision. A successful dispute results in a refund. If the merchant declines or cancels the dispute, the case closes without a refund. If we decide to escalate it to the merchant again, it continues to the next step.

Final assessment before arbitration

Once the case is raised to the merchant for a second time if needed, they have 20 days to respond, after which we'll make a final decision. If successful, you'll receive a refund. If the merchant declines or cancels the dispute, there will be no refund and the case will be closed.

If it's unresolved and the merchant decides to keep disputing, we'll escalate the case to Visa or Mastercard for review, which may take approximately 40 additional days.