Chargeback is a card-scheme process that may let your bank reverse a debit or credit card payment when goods are not delivered, are faulty, or a transaction was unauthorised. It is not an automatic legal right, and the outcome depends on your card provider’s rules and the evidence available. Contact the seller first where possible, then ask your bank about chargeback promptly, as time limits often apply. For eligible credit-card purchases costing between £100 and £30,000, Section 75 may provide separate legal protection, so check the details on GOV.UK or with a regulated adviser.