People, who don’t receive Christmas gifts ordered and paid online with a card, can get their money back. They can ask their card issuer for chargeback – a tool thanks to which their bank can withdraw the amount from the trader’s bank if the trader doesn’t prove the delivery. The experience of the European Consumer Centre shows that banks are likely to help their clients although they aren’t obliged by law to carry out chargeback. Similar procedure is possible when paid by some of electronic payment systems. No such refund can be expected in case of transfers between bank accounts.
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Press release - chargeback_EN (docx, 14.69 KB)