I did not make this payment (unauthorised). Freeze the card, then report the payment as unauthorised from the transaction screen or by chat. Where a payment was unauthorised we refund you by the end of the next business day unless we have reasonable grounds to suspect fraud, in which case we tell you and explain.
I paid but did not receive the goods or service, or the amount is wrong. Contact the merchant first; most cases are resolved that way. If that fails, raise a dispute within 120 days of the payment. We may ask for evidence such as order confirmations or correspondence, then raise a chargeback with the card scheme on your behalf. Chargebacks typically take 30 to 45 days.
You can follow the status of any dispute under Disputes in your account.