Quick answer
Contact your bank quickly, explain the transaction problem, and provide proof. The bank may investigate through the payment network or merchant channel depending on the transaction type.
When people ask for chargebacks
- Duplicate debit.
- Card charged but service not delivered.
- Unauthorized card transaction.
- Failed online payment.
- Wrong amount charged.
What proof helps?
Receipts, merchant emails, screenshots, failed-payment messages, order IDs, transaction references, and bank statements. Keep everything dated.
Related: Failed POS transaction, Bank charges, CBN complaint guide.