> ## Documentation Index
> Fetch the complete documentation index at: https://glide-9da73dea.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Card disputes

> If a charge is wrong, fraudulent, or never delivered, file a dispute. We work with Visa to investigate and refund.

If something's wrong with a charge on your Glide card, file a dispute. We'll work with Visa and the merchant on your behalf. Most disputes resolve in 30–90 days; many resolve faster.

## When to file a dispute

You can dispute a charge for any of these reasons:

* **Unauthorized** — you didn't make this charge and don't recognize the merchant.
* **Duplicate** — you were charged twice for the same purchase.
* **Wrong amount** — the charge doesn't match the receipt or what was agreed.
* **Not received** — you paid for something that never arrived.
* **Defective or not as described** — the goods or services didn't match what was advertised.
* **Subscription cancelled but still billed** — you cancelled but the merchant kept charging.

Try to contact the merchant first for non-fraud cases. Most disputes resolve faster if the merchant just refunds you directly.

## How to file

<Steps>
  <Step title="Find the charge">
    From your dashboard, tap the transaction (in your card history or in your activity feed).
  </Step>

  <Step title="Tap Dispute this charge">
    The dispute form opens with the charge auto-populated.
  </Step>

  <Step title="Pick a reason and add detail">
    Choose the dispute reason that fits. Add any context that helps — an order number, a screenshot of the listing, the merchant's response if they refused to refund, a copy of the email you sent to cancel.
  </Step>

  <Step title="Submit">
    Glide files the dispute with Visa. We notify the merchant. The provisional credit lands in your account in 1–3 business days while the investigation runs.
  </Step>
</Steps>

## What happens next

| Stage              | What you see                                                                         | Timeline          |
| ------------------ | ------------------------------------------------------------------------------------ | ----------------- |
| Provisional credit | Funds returned pending investigation                                                 | 1–3 business days |
| Merchant response  | Merchant has 30 days to provide evidence                                             | Up to 30 days     |
| Visa decision      | Win or loss based on Visa's rules                                                    | 30–90 days total  |
| Resolution         | Provisional credit either becomes permanent (you win) or is reversed (merchant wins) | At decision       |

If the merchant wins the dispute, the provisional credit reverses. You can appeal once with new evidence.

## Fraud disputes

For unauthorized charges, the dispute is fast-tracked: provisional credit is immediate, and the card is auto-frozen pending replacement. Tap **Replace card** from the same screen to issue a new one with a new PAN.

If we detect a pattern (e.g., multiple unauthorized charges in a short window), we'll proactively freeze the card and notify you. Don't wait for us — if you see a charge you don't recognize, freeze immediately and dispute.

## What you don't pay

Glide doesn't charge a fee for filing a dispute. Visa's chargeback fee, where applicable, is paid by the merchant.

## Tips that help your dispute win

* **Have a paper trail.** Save receipts, emails, screenshots, and any cancellation confirmations.
* **File quickly.** Visa requires disputes within 60–120 days of the charge depending on reason.
* **Try the merchant first.** A clear "I asked for a refund and they refused" record helps the dispute.
* **Be specific.** "Charged $500, ordered $50 product" is stronger than "wrong amount."

## Next

* [Card limits and controls](/cards/limits-and-controls)
* [Two-factor authentication](/security/two-factor)