This article explains what a chargeback is, when to request one, and how to do it through your KAST account. You’ll learn how chargebacks work, the difference between disputes and refunds, and what to expect once you’ve submitted your claim.
What Is a Chargeback?
A chargeback is a process that allows you to dispute a transaction and request a reversal from your card provider. It’s typically used when you’ve been charged for something you didn’t authorize, didn’t receive, or received incorrectly.
When a chargeback is filed, KAST works with the payment network and the merchant’s bank to investigate the claim and return your money if it’s found to be valid.
When Should I Request a Chargeback?
Chargebacks are meant to protect you when something goes wrong with a transaction — but they should only be used in valid situations. Here are the main cases where a chargeback is appropriate:
1. Unauthorized or fraudulent transactions
If you see a payment you didn’t make or authorize, you may be a victim of fraud. Freeze your KAST card immediately in the app to stop further activity, then report the transaction. KAST’s team will investigate and help recover your funds quickly.
2. Goods or services not received
If you paid for something that never arrived and the seller isn’t responding, a chargeback can help you get your money back. Try contacting the merchant first to confirm delivery or tracking details. If they don’t resolve it, submit a dispute through KAST.
3. Incorrect or duplicate charges
Chargebacks also apply when you’re billed the wrong amount or charged twice for the same purchase. Contact the merchant first for a correction. If they don’t fix it, KAST can help file a chargeback to recover the extra amount.
4. Faulty or misrepresented products
If what you received is damaged, fake, or very different from what was promised, you can dispute the transaction. Keep evidence like photos, receipts, or chats with the seller. KAST uses this documentation to review and process your claim.
5. Merchant cancellations or refund failures
If a merchant agrees to cancel or refund but never completes it, you can request a chargeback. This ensures you aren’t left waiting for money that should have been returned. KAST verifies your claim and follows up through the proper channels.
Chargebacks are meant for legitimate disputes — not for cases like forgetting a subscription or changing your mind. Always contact the merchant first, and if that fails, KAST is here to support you every step of the way.
What Should I Do Before Filing a Chargeback?
Before you submit a chargeback request:
- Check your transaction history to confirm the charge details.
- Contact the merchant and give them a chance to resolve the issue.
- Gather proof — such as receipts, emails, or delivery confirmations — in case KAST’s support team requests it.
This preparation ensures your chargeback claim is accurate and processed faster.
How Can I Request a Chargeback on KAST?
Reach out to KAST Concierge and provide:
- Transaction date and amount
- Merchant name
- Brief description of the issue
- Proof of communication or receipts
What Happens After I File a Chargeback?
After submission:
- KAST will review your case and may reach out for additional information.
- If your claim is valid, the funds will be credited back to your account once the investigation is complete.
- If the claim is denied, we’ll provide a clear explanation of the result and next steps.
⏱ Typical processing time: Chargebacks can take up to 30–45 days, depending on the payment network and merchant response.
Frequently Asked Questions
What’s the difference between a refund and a chargeback?
A refund is processed directly by the merchant when they agree to return your payment. A chargeback is handled through KAST when the merchant doesn’t cooperate or respond to your refund request.
Can I cancel a chargeback after submitting it?
Yes, you can cancel a chargeback if the issue is resolved with the merchant. Contact KAST Support as soon as possible so your dispute can be withdrawn before it’s finalized.
Will I get my money back immediately?
Not right away. The refund is only issued once the investigation is complete and the merchant’s response has been reviewed. The process ensures fairness to both you and the merchant before any funds are returned.
How long does a chargeback take to process?
Most chargebacks are reviewed within 30 to 90 days, depending on the network and merchant response time. Complex cases may take longer if additional evidence is needed.
Can I file a chargeback for crypto transactions?
No, blockchain transactions can’t be reversed. Chargebacks only apply to payments made with your KAST physical or virtual card.
What kind of evidence should I provide when filing a chargeback?
Provide receipts, emails, delivery confirmations, or screenshots of your communication with the merchant. The more details you share, the faster KAST can verify your claim.
What happens if my chargeback is denied?
If your chargeback is denied, you’ll receive an explanation outlining the reason. You can still reach out to the merchant or contact KAST Support for next steps.
Can I dispute a transaction made in another currency?
Yes, KAST supports chargebacks for eligible international payments. As long as the transaction was made using your KAST card, you can file a dispute.
Is there a fee for filing a chargeback?
Yes, a $30 USD non-refundable card network fee applies per transaction. This fee covers investigation and processing costs charged by the payment network.
How can I track the status of my chargeback?
You can track your chargeback by messaging KAST Concierge in your app. The team will provide real-time updates and notify you once there’s progress or a final decision on your dispute.
Can I file a chargeback for a subscription I forgot to cancel?
Usually not. If a merchant clearly outlined the renewal terms, it’s considered an authorized charge. Try contacting the merchant first to request a refund before filing a dispute.
What should I do if I suspect fraud on my KAST card?
Freeze your card immediately in the app and report the transaction through the “Dispute this charge” option. Our team will investigate and guide you through next steps.