Chargeback Request Letter — Ask Your Bank to Reverse a Card Payment
Paid by card for something you never received, that was not as described, that you cancelled, or that you were charged for twice — and the merchant will not refund you? For $29 we draft a clear letter to your own bank or card issuer asking it to raise a chargeback (a dispute through the card scheme) for the transaction. It sets out the ground for the dispute, lists the evidence you can supply, notes that time limits apply so the request should be actioned promptly, and sets out your escalation options (the bank's internal dispute resolution, then AFCA) if the bank declines. You download it straight away and send it to your bank yourself.
What this document does
- For $29 we draft a clear letter to your own bank or card issuer asking it to raise a chargeback (a dispute through the card scheme) for the transaction.
- It sets out the ground for the dispute, lists the evidence you can supply, notes that time limits apply so the request should be actioned promptly, and sets out your escalation options (the bank's internal dispute resolution, then AFCA) if the bank declines.
- Records the facts that matter on paper: what went wrong, bank or card issuer, bank disputes address, card charged (type and last four only).
- Sets a clear deadline and spells out what happens if they ignore it.
- Delivered as a PDF you download the moment it is ready.
What we'll ask you
Plain-English questions, one at a time. No legal knowledge needed — if you don't know an answer exactly, your best estimate is fine.
- What went wrong with this card payment?
- Which bank or card issuer do you want the letter addressed to? Use the name on your card or statement.
- Your bank's disputes or customer-care address, if you have it (from your statement, card or their website). Leave this if you are not sure.optional
- Which card was charged? Just the card type and the last four digits — never the full card number.
- Who was the payment to — the merchant or business name as it appears on your statement?
- When was the payment made? If there was more than one charge, list each date.
- How much do you want charged back in total? If more than one charge, add them up.
- What did you pay for? Briefly describe the goods or services.
- In your own words, what actually happened? Be specific — for example the item never arrived, it arrived broken or different from the listing, you cancelled within the stated window, or the same charge appeared twice.
- Have you already contacted the merchant to ask for a refund? If so, when, how, and what did they say?optional
- What evidence can you supply? For example the order confirmation or receipt, the listing or advertised description, delivery tracking, emails or messages with the merchant, or photos of what arrived. List what you have.optional
- You review it first · Nothing is sent to anyone else
- 2 free amendments included
- All Australian states and territories
- Stripe secured · 256-bit encrypted
Chargeback Request Letter — drafted to the right state law
One document, eight jurisdictions. We only ever cite the Act, regulator and tribunal for your state, so nothing from another jurisdiction bleeds into your chargeback request letter.
New South Wales
Drafted under the Australian Consumer Law as it applies in New South Wales, with the state regulator and forum named below.
Consumer regulator: NSW Fair Trading
Consumer money claims: NSW Civil and Administrative Tribunal (NCAT), Consumer and Commercial Division
Victoria
Drafted under the Australian Consumer Law as it applies in Victoria, with the state regulator and forum named below.
Consumer regulator: Consumer Affairs Victoria
Consumer money claims: Victorian Civil and Administrative Tribunal (VCAT), Civil Claims List
Queensland
Drafted under the Australian Consumer Law as it applies in Queensland, with the state regulator and forum named below.
Consumer regulator: Office of Fair Trading (Queensland)
Consumer money claims: Queensland Civil and Administrative Tribunal (QCAT)
Western Australia
Drafted under the Australian Consumer Law as it applies in Western Australia, with the state regulator and forum named below.
Consumer regulator: Consumer Protection WA (Department of Local Government, Industry Regulation and Safety)
Consumer money claims: Magistrates Court of Western Australia
South Australia
Drafted under the Australian Consumer Law as it applies in South Australia, with the state regulator and forum named below.
Consumer regulator: Consumer and Business Services (CBS) South Australia
Consumer money claims: Magistrates Court of South Australia
Tasmania
Drafted under the Australian Consumer Law as it applies in Tasmania, with the state regulator and forum named below.
Consumer regulator: Consumer, Building and Occupational Services (CBOS) Tasmania
Consumer money claims: Magistrates Court of Tasmania, Civil Division
Australian Capital Territory
Drafted under the Australian Consumer Law as it applies in Australian Capital Territory, with the state regulator and forum named below.
Consumer regulator: Access Canberra (Fair Trading)
Consumer money claims: ACT Civil and Administrative Tribunal (ACAT)
Northern Territory
Drafted under the Australian Consumer Law as it applies in Northern Territory, with the state regulator and forum named below.
Consumer regulator: NT Consumer Affairs
Consumer money claims: Northern Territory Civil and Administrative Tribunal (NTCAT)
From your answers to a finished Chargeback Request Letter in three steps
Answer 11 quick questions
Who it’s about, what happened and what you want. Plain English, one question at a time.
We draft it for your state
Your Chargeback Request Letter — Ask Your Bank to Reverse a Card Payment is drafted to the legislation, regulator and tribunal for your state or territory, then formatted as a professional PDF. Usually ready within about five minutes.
Review, confirm, receive
The draft lands in your dashboard for you to read. Change anything that isn't right (two free amendments), confirm it, and we email you the final PDF. Nothing is sent to anyone else.
Ready? Start now.
No card required until the end. No account needed to start.
Start My Chargeback Request Letter — $29 →$29 flat fee · You review it first · unlimited edits
Everything about the Chargeback Request Letter — Ask Your Bank to Reverse a Card Payment
How much does the Chargeback Request Letter cost?
A flat $29 AUD, including GST. There is no card required to start, no subscription and no hourly rate — you see the full summary of your answers before you pay.
How long does it take?
There are 11 questions, which take a few minutes to answer. After you pay, your draft is usually ready in about 5 minutes, and you can read it and request changes before you approve it.
When do I get the document?
The draft of your Chargeback Request Letter — Ask Your Bank to Reverse a Card Payment is usually ready in about 5 minutes. You read it on your dashboard and can change the wording; once you confirm it, the final PDF is available to download and emailed to you.
What if I need changes?
You read the full Chargeback Request Letter on your dashboard first. You can change the wording or ask for a redraft, with unlimited edits and 2 redrafts included, then confirm it and the final PDF is yours to download and keep.
Does it work in my state?
Yes. The Chargeback Request Letter — Ask Your Bank to Reverse a Card Payment is drafted to the law of the state or territory the matter is in — NSW, Victoria, Queensland, WA, SA, Tasmania, the ACT and the NT — citing the right Act, regulator and tribunal or court for that state.
Other government & complaints documents
Put it in writing today.
A few quick questions and your Chargeback Request Letter — Ask Your Bank to Reverse a Card Payment is drafted for your state. No card required until the end.
Start My Chargeback Request Letter — $29 →