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Stay protected: how you pay matters

Stay protected: how you pay matters

Every time you buy your groceries, order a takeaway or stream a film, you want to be sure you’re paying safely. That’s why we protect you, wherever you’re shopping, keeping your payments secure.

Feel confident when you pay with Visa

Whatever you’re paying for and wherever you’re paying - locally or abroad - paying with Visa means you’re paying securely.

There are many convenient ways to use your Visa card, and however you choose to pay, you will always get the same level of protection. Save your card details with your favourite websites, or add them safely to your phone for online payments. Pay for monthly entertainment subscriptions, or pay with contactless while you’re out and about.

 

Protect yourself against fraud and scams

Card fraud is thankfully rare, but it is possible for your card details to be stolen, or a business you buy from to be hacked. When you pay with Visa, your details are protected and you could get your money back if your card is used fraudulently or a scam leaves you out of pocket.

 

Know your rights when a purchase goes wrong

When you’re feeling let down and left out of pocket by a purchase, there are ways you could get your money back. If the seller won’t help, you can dispute the purchase via a chargeback claim. We can help you find out when you can do this, and what to do next.

Young women online payment 

Stay protected online and in-store

 

Shop online and stay protected

Dodge the downsides of internet shopping with our list of top tips to help you buy safely online. See what your rights are as a consumer – and remember, however you choose to use your Visa credit, debit or pre-paid card, your payment is always secure.

Paying safely online

Customer using credit card reader at clothing shop counter, while man behind shop counter holds bag of her purchases. 

Pay safely when shopping in-store

Paying in-store while you’re out and about is quick and simple with contactless, now with an increased card limit of €50 in many stores. You can tap to pay with your Visa card, your mobile or a wearable device.

Paying securely in-store

What is a chargeback, and how do I enquire if it is something I can use?

Man making Visa Chargeback card payment via mobile

A chargeback is a way for you to attempt to reclaim your money back when you do not get the goods or services you paid for, including if the retailer/seller has gone out of business. Your provider (e.g your bank or card issuer) attempts to reclaim the money from the retailer/seller’s bank on your behalf if you’ve not been able to resolve this directly with the retailer/seller.

Chargebacks are not a legal right, but if you have paid with a Visa debit or credit card, You can speak to your provider that issued your card about whether this option is available, and they can then put in a request to the retailer/seller's bank. This is relevant in a number of circumstances, including:

  • Quality of goods were not as described or defective
  • You are mistakenly charged multiple times
  • A company you booked with goes into administration
  • You don’t receive the product or service you paid for

Note there are terms and conditions associated with the time in which you can request a chargeback.

How to make a chargeback claim

It is important to understand that you must always first try to resolve the issue with the retailer/seller before you can complete a chargeback request. Contact them by phone, post, email or in person to try to get your money back.

If the retailer/seller refuses to give you a refund or they are unresponsive, you can then start a chargeback claim. Please be aware there is no guarantee that the chargeback will be successful.

Follow these steps to pursue a chargeback for your disputed transaction:

1. Contact your provider (e.g your bank or card issuer) and tell them that you want to make a claim through the chargeback scheme

2. Ensure you have the details of the transaction (date, amount) you want to dispute, and be ready to share this with your card provider

3. In some instances you will need to provide copies of any correspondence you had when you tried to get your money back from the retailer/seller, for example letters or emails

4. Finally, your card provider may ask you to complete a claim form along with a signature that you send back to them along with the evidence noted in step 3

Discover the clever tech keeping you safe

 

We lift the lid on all the layers of security we use to keep you and your money safe. Find out more about our cutting-edge payment technologies which work to ensure it’s definitely you making a payment.