During times of uncertainty, Visa has measures in place that can help with peace of mind when making purchases with your card.
Chargebacks
A chargeback is a way for your bank that issued your card to reclaim money from the retailer’s bank when you do not get the goods or services you paid for, including if the retailer or supplier has gone out of business. Before pursuing any chargeback you should first try to contact the merchant, retailer or service provider for any dispute you may have.
Chargebacks are not a legal right, but if you have paid on a Visa debit or credit card, you should address a chargeback claim to the bank that issued your card, and they can then put in a request to the retailer’s bank.
Find out more about chargebacks and how to make a claim
Travel
If your flight is cancelled at the last minute, for example if an airline goes into administration, or in other circumstances outside of your control, you may be able to get your money back if you’ve paid with your Visa card.
The first step is to contact the retailer, or tour operator you made the purchase from to understand whether you are covered by a bonding authority or insurance scheme. If you are not fully covered and only partial or no compensation will be paid through this route, you can then speak to the bank that issued your card to look at more options.
Useful Sources
ATOL
https://www.caa.co.uk/atol-protection/
ABTA
https://www.abta.com/
World Health Organisation
https://www.who.int/
UK Government Travel Advice
https://www.gov.uk/foreign-travel-advice
Examples, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. Visa Inc. does not make any warranty or representation as to the completeness or accuracy of the Information within this document, nor assume any liability or responsibility that may result from reliance on such Information. The Information contained herein is not intended as legal advice, and readers are encouraged to seek the advice of a competent legal professional where such advice is required.
