Merchants who have registered with RefundMyCharge have elected to do everything in their power to ensure that you, their customer, are satisfied and that any misunderstanding is resolved prior to you submitting a dispute with your bank. All of this can be simply accomplished by taking 2 minutes to open a case with RefundMyCharge and letting us and the merchant know what resolution you desire.

Often, consumers do not recognize a charge on their bank or card statement. There are many reasons why you might not recognize a charge posted to your credit card, debit card, or bank account. Some are valid reasons, like the merchant changing their merchant service provider and their statement descriptor changing. Of course, there are also times where cause for concern is valid and corrections need to be addressed immediately.

Merchants are generally more than happy to address a customer’s concern and even grant immediate refunds because the commerce market is highly competitive. They want you, their customer, to be happy, and they certainly don’t want to get into a situation where they have to defend a charge through your bank.

When you call your bank before submitting a request for resolution, you create a three-party dispute, where the banks involved in the transaction charge the merchant a rather large fee for simply passing along your request. On average, a merchant is charged $35 – $50 in “dispute” fees every time a customer files a dispute. In addition, if a merchant incurs what a bank might consider a high amount of disputes, the bank will increase their processing fees or even terminate the merchant’s ability to accept online sales.

Therefore, the dispute automatically triggers the merchant to go on the defensive and do everything in their power to avoid getting the dispute approved. If the merchant “wins” the dispute process, you do not get a refund, and the merchant still pays the dispute fees and has to invest quite a bit of time into proving the validity of your charge.

The result is that you, the customer, are unhappy because you did not get the expected refund, and the merchant is unhappy because they had to pay a large fee and spend a lot of time fighting your dispute. The bank, however, is happy because they collected a nice-sized fee.

By simply contacting the merchant through RefundMyCharge.com, all the frustration is eliminated, no money is wasted on fees, and the merchant will more readily address your concerns and issue refunds, when appropriate, to keep you happy.

The smart move is to engage with RefundMyCharge to get a resolution directly with the merchant.