How to dispute a transaction in case of fraud

When to dispute a transaction

A player may encounter a situation where a casino has debited without consent, held a deposit without the ability to play, or failed to pay a winnings. In such cases, the bank's client has the right to initiate a chargeback (chargeback) - a refund through the payment system (Visa, Mastercard, AmEx).

Step 1. Evidence gathering

Before contacting the bank, you must prepare:

• card statement confirming the charge;
• screenshots of the casino's personal account (deposits, cancellation of withdrawal, account blocking);
• correspondence with support (if any).

These materials increase the chances of a successful challenge.

Step 2. Casino Contact

Many banks require that the client first try to resolve the problem directly. Need to:

• write to the support service;
• request a refund;
• record failure or absence of response.

This will confirm that the player has taken all steps to independently resolve the dispute.

Step 3. Contacting the bank

The player submits a statement about the disputed transaction to his card issuing bank.

What you need to indicate in the application:

• Date and amount of write-off
• the reason for the challenge (unauthorized transaction, deception by the casino, non-payment of winnings);
• attached evidence.

Step 4. Consideration of chargeback

The process can take from 30 to 90 days. The bank sends the request to the payment system, which communicates with the casino. If the operator does not prove the legality of the write-off, the money is returned to the player.

Features in Australia

Some banks block transactions in online casinos, and the likelihood of successful chargeback is higher with transactions in offshore casinos without a license.
Visa and Mastercard support returns more often than American Express.
If the transaction is found to be fraudulent, the bank is obliged to return the money, provided that the client acted in good faith.

How to increase the chance of success

Apply as quickly as possible (best in the first 30 days after surgery).
Specify the exact wording: "unauthorized transaction" or "fraud activity."
Avoiding unnecessary details about the habit of playing is important to emphasize the fact of fraud.

Conclusion

Challenging a transaction through a bank is a real way to protect yourself from casino fraud. The main thing is to act quickly, collect evidence and correctly fill out the application. The chargeback in Australia works and players can recover funds from wrongful write-offs.