Transactions
      Back to home
      1. Help Center
      2. Managing Budgetly
      3. Transactions

      Disputing a transaction

      Step-by-step guide to review and dispute a transaction.

      Don’t recognise a transaction? There are a few things to do before lodging a dispute.

      This article will take you through the process to identify a fraudulent or unauthorised transaction, as well as how and when to lodge a transaction dispute.

      Before disputing, identify the transaction’s origin

      A few things to check:

      • Was the purchase made by someone else in your organisation?
      • Do an online search of the merchant name
        • Is it linked to a business you bought from? Some businesses may trade under more than one name.
      • Was the transaction converted from a foreign currency to AUD?
      • Is this a direct debit or subscription service you signed up to in error/forgot to cancel?
        • For example: you may have signed up to free trial for something that has since run out and charged you.

      We always recommend contacting the merchant directly first to try to resolve the issue. This is usually the fastest way to resolve a transaction dispute, as VISA disputes can take up to 30 days to yield a result.

      Merchants may be able to resolve issues like:

      1. A defective or unsatisfactory product.
      2. A transaction the merchant agreed to refund but has not processed.
      3. Duplicate charges.
      4. Differences in amounts on your receipt and statement.
      5. Goods or services that you haven’t received.
      6. A regular payment or subscription that you cancelled but were still charged for.

      If the merchant cannot help and you have followed the steps above, you can lodge a dispute with Budgetly for investigation.

      Lodging a transaction dispute with Budgetly

      Create a ticket and provide us with the following information:

      Organisation name:

      First and last name:

      Transaction reference number:

      Merchant:

      Amount:

      Reason you are disputing the transaction:

      What now?

      Our Budgetly support team will investigate and send you a form to fill out, explaining the reason you are disputing the transaction.

      We will send your completed form to our banking partner and VISA.

      This process can take at least 30 days for a resolution.

      If the dispute is closed in your favour, the money will be refunded to your account.

       

      Still need help? Click here to get in touch with our friendly Support Team.