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.