Cards & Payments
How do I dispute a transaction?
Raise a fraud claim or chargeback directly from the transaction.
If you don't recognise a transaction, or a merchant hasn't refunded you for goods you didn't receive, open the Apex app, tap the transaction, then tap 'Something wrong?'.
Choose the reason (fraud, didn't receive, duplicate, incorrect amount, subscription you couldn't cancel) and follow the prompts.
For fraud, we'll cancel your card and refund you provisionally within 1 working day while we investigate. For chargebacks, resolution typically takes 15–45 days depending on the card scheme.