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Banking and payments

If a charge looks wrong, start with the record.

A duplicated card charge, unexpected banking fee or payment you do not recognize may require a direct inquiry with your financial institution.

WHERE TO BEGIN

Act promptly when fraud is suspected.

An unfamiliar charge is not necessarily unauthorized; some merchants use different billing names. But if credentials may be compromised, contact your bank immediately using a trusted number.

Rights to chargebacks, corrections or refunds depend on the payment method, location, issuer rules and the circumstances. Certain charges may be valid even if they are unexpected.

EVIDENCE TO KEEP

Start with these records.

  • Transaction date, amount and merchant
  • Statements stored securely outside RefundNexa
  • Any prior notifications or dispute reference
  • Provider explanation and messages

Do not upload private records to RefundNexa; keep them for the responsible official provider.

YOUR NEXT STEPS

An evidence-first approach.

Review the entry

Check date, merchant, authorization and whether a transaction has merely been placed on hold.

Contact the provider safely

Use your bank’s official website or the number printed on your card, especially for suspected unauthorized activity.

Preserve the complaint trail

Save the case number and written outcome. In the U.S., eligible financial disputes may be referred to a competent regulator.

VERIFY YOUR RIGHTS

Check the rules that apply where you are.

Do not assume every fee is refundable. Unauthorized-payment rules and deadlines may be strict and vary by country and payment method. Never share authentication codes with us.

What RefundNexa does not do

We do not inspect bank accounts, know which money belongs to you, submit official claims, or guarantee a refund. Our purpose is to provide structured educational next steps.

Safety note: Beware anyone contacting you unexpectedly and promising to recover funds for an upfront fee.