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Find out here how to resolve common disputes arising from payments through credit, debit and prepaid cards for the following situations:-


A. Unauthorised transactions;

B. Transactions signed under duress or threat;

C. Instalment Payment Plan (IPP) transactions with merchants that subsequently cease business; and

D. Non-delivery of goods/services or delivery of unfit goods/services

These guidelines apply to transactions made with international Card Schemes-branded cards, i.e. American Express, Diners, JCB, Mastercard, UnionPay and Visa.


Generally, the purchase of a good or service is a contractual arrangement between you as the consumer, and the merchant. Your rights as a consumer are protected under the Consumer Protection (Fair Trading) Act.

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