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Debit cards can do chargebacks just as credit cards can do. That's a feature of Visa and Mastercard (and others). If your bank refuses, complain to the card net

by eis 9d ago

Debit cards can do chargebacks just as credit cards can do. That's a feature of Visa and Mastercard (and others). If your bank refuses, complain to the card network. Oh and consider changing banks, that's really unacceptable in 2026 and shows an anti customer stance.

theletterf 9d ago
They do, but require that an incident is raised claiming fraud, etc. I guess they want to avoid misuse of this feature.
- eis 9d ago
  This is completely normal. You can't just issue a chargeback because you feel like you want your money back after the fact. They want to know what went wrong. It could be fraud but it could be also misleading checkout experience and other reasons. The merchant is charged often a fee for a chargeback on the order of $15 and it might result in penalties. So, if you feel like you've been charged unfairly (e.g. product not what was expected), in error, fraudulently etc. then chargeback is the route and you should provide a reason. It's a mechanism to protect consumers. If on the other hand you just want your money back without good reason then chargebacks are not the right tool. The consumer also has an obligation to pay if there was no fault on the merchant side. Honestly, sounds like everything is as it should be?
  - miki123211 9d ago
    Exactly this. In both US and EU, chargebacks are a general consumer protection tool, implemented by card networks to make you less afraid of using them with potentially-untrustworthy merchants, even when not legally required. They can be used for any kind of legitimate grievance, outright fraud being just one of them. If you book a hotel and the room is not up to the standards on their website, take pictures, take screenshots and chargeback. They are not, however, a way to cancel a subscription you decide you no longer want (incidentally, neither is cancelling your card). Ask your lawyer, but this is actually illegal and considered fraud in many places. If you make a dumb choice, you have to live with the consequences or follow the contractual route.
    - mitxela 9d ago
      However if you try to cancel the subscription the normal way, and it doesn't work, or there is no normal way, then you escalate to a chargeback and that's valid grounds.
    - what 8d ago
      > If you book a hotel and the room is not up to the standards on their website, take pictures, take screenshots and chargeback. This is unhinged. Then I can chargeback at McDonald’s because the burger doesn’t look the same as the picture. I still ate it and you probably still stayed in the room.
- someguyiguess 9d ago
  It IS fraud. So report it and get your money back.
- mitxela 9d ago
  Well yes, that's how it works for credit cards too. Chargebacks aren't a thing you can just do on a whim, they are a mechanism for the bank to punish fraudulent merchants. Attempting to get one against a merchant who is not defrauding you is a criminal offence. The bar for fraud is lower than you might think though. Any unauthorized charge, incorrect charge, barrier to cancelling a recurring charge, all counts.

by eis 9d ago

theletterf 9d ago

They do, but require that an incident is raised claiming fraud, etc. I guess they want to avoid misuse of this feature.

eis 9d ago
This is completely normal. You can't just issue a chargeback because you feel like you want your money back after the fact. They want to know what went wrong. It could be fraud but it could be also misleading checkout experience and other reasons. The merchant is charged often a fee for a chargeback on the order of $15 and it might result in penalties. So, if you feel like you've been charged unfairly (e.g. product not what was expected), in error, fraudulently etc. then chargeback is the route and you should provide a reason. It's a mechanism to protect consumers. If on the other hand you just want your money back without good reason then chargebacks are not the right tool. The consumer also has an obligation to pay if there was no fault on the merchant side. Honestly, sounds like everything is as it should be?
- miki123211 9d ago
  Exactly this. In both US and EU, chargebacks are a general consumer protection tool, implemented by card networks to make you less afraid of using them with potentially-untrustworthy merchants, even when not legally required. They can be used for any kind of legitimate grievance, outright fraud being just one of them. If you book a hotel and the room is not up to the standards on their website, take pictures, take screenshots and chargeback. They are not, however, a way to cancel a subscription you decide you no longer want (incidentally, neither is cancelling your card). Ask your lawyer, but this is actually illegal and considered fraud in many places. If you make a dumb choice, you have to live with the consequences or follow the contractual route.
  - mitxela 9d ago
    However if you try to cancel the subscription the normal way, and it doesn't work, or there is no normal way, then you escalate to a chargeback and that's valid grounds.
  - what 8d ago
    > If you book a hotel and the room is not up to the standards on their website, take pictures, take screenshots and chargeback. This is unhinged. Then I can chargeback at McDonald’s because the burger doesn’t look the same as the picture. I still ate it and you probably still stayed in the room.
someguyiguess 9d ago
It IS fraud. So report it and get your money back.
mitxela 9d ago
Well yes, that's how it works for credit cards too. Chargebacks aren't a thing you can just do on a whim, they are a mechanism for the bank to punish fraudulent merchants. Attempting to get one against a merchant who is not defrauding you is a criminal offence. The bar for fraud is lower than you might think though. Any unauthorized charge, incorrect charge, barrier to cancelling a recurring charge, all counts.