First, don't panic. Cross-check the transaction in question against receipts, order confirmations, and any email or messages from the merchant. Sometimes, a payment shows up under a different merchant name, or currency conversion makes the amount look wrong. Note the exact date, amount, and reference number; these details will be crucial when you raise the dispute.

Contact the merchant next

If the charge is obviously wrong-charging for the same item multiple times, charging for an order that was cancelled, or neglecting to issue a refund, for example-contact the merchant directly. Many disputes are often resolved this way. Record your phone call or online chat, and request a written confirmation (e-mail or chat transcript) of their billing error reversal or refund. This documentation hel

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