Section 75 vs chargeback: organise your refund route before escalating.

The basic difference

Chargeback is a card-scheme process that may apply to debit and credit card payments in a range of disputes. Section 75 is linked to credit-card purchases and can apply when legal requirements are met, including the purchase amount usually being between £100 and £30,000.

Your bank or card provider decides what applies. Refund Kit helps you prepare a clear request, not a guaranteed claim.

When Section 75 may be relevant

Section 75 may be relevant if you paid by credit card, the cash price was within the usual range, and there has been a breach of contract or misrepresentation. There are details and exceptions, so your provider may ask for evidence.

Refund Kit flags possible Section 75 prompts based on the information you enter.

When chargeback may be relevant

Chargeback may be relevant for non-delivery, faulty goods, cancelled services, duplicate charges or refund refusals. Time limits and evidence requirements can vary, so act promptly and keep records.

The action bundle includes a bank/card-provider draft and evidence checklist.

Prepare both without confusing them

A good approach is to state the facts clearly, explain what you asked the retailer to do, and ask your provider what route it can consider. Avoid insisting on a route without evidence.

Related Refund Kit guides

• Section 75 Claim Letter
• Chargeback Letter Template Uk
• Chargeback Evidence Checklist