A chargeback is a card payment dispute through the bank and card scheme when goods weren't delivered or the cardholder didn't authorise the payment.
A chargeback is the procedure for disputing a card payment. The cardholder applies to their bank, the bank passes the claim through the card scheme to the merchant's bank, and if the grounds are confirmed, the money returns to the card.
Typical grounds: the goods or service weren't delivered, the amount was charged twice or exceeded what was agreed, or the cardholder didn't authorise the transaction. Deadlines and procedure are set by the card schemes' rules, and the merchant can present its own evidence and object.
A chargeback rarely helps when the payment went through from the cardholder's own device with a saved card and confirmation, for example when a child bought something in a game on a parent's phone. To the card scheme this is the cardholder's own transaction, so it's better to ask the store where the purchase was made for a refund first.
In detail, with examples: Your child spent money in a game or app: how to get it back and stop it happening
Phishing Social engineering Money mule
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The first 30 minutes, reading the statement, platform refund rules, a request template, when the bank helps, the law, game scams and protection settings.