This occurs when someone uses your card to make an unauthorised online, telephone order or mail order purchase. You should immediately report this to your card-issuing bank and ask that it blocks your card account to avoid further fraudulent usage.
The card-issuing bank may require you to complete a dispute resolution form. Thereafter, the card-issuing bank would perform a chargeback of the disputed transaction(s) to the merchant. In most instances, the banks will provide you with a temporary credit or refund the disputed transactions so that your spending balance is not affected. Upon full resolution of the investigation and chargeback, the bank will notify you if there are changes to the outcome.