Australia Post Load&Go Card Disputed Transaction Form 2025

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What is a payment dispute? A payment dispute or chargeback occurs when a cardholder files a claim with their card-issuing bank to request a reversal of the charge. Disputes are a fixture of the card networks (Visa, Mastercard and American Express) and exist to protect buyers from unauthorised transactions.
When you initiate a dispute, banks review the transaction details, evaluate the evidence provided by both parties and decide whether to reverse the transaction or uphold it based on their findings. This process involves assessing the validity of the claim against the banks policies and the rules of the card network.
As per the network guidelines, in case of a dispute, the cardholder is required to provide a duly filled in Transaction Dispute Form (TDF) mentioning the details of the disputed transaction to enable / authorize the bank to investigate with the respective merchant / member bank, as appropriate.
The cardholder contacts the issuer and disputes the transaction. The cardholder can call the issuing bank, send an email, or mail a letter. The issuer might even have an online banking portal with a dispute feature.
Charges for the wrong amount or date; Charges for goods and services that you ordered but did not receive or accept; Charges that you dont recognize and want more information about; and. Bills that have calculation errors or that didnt credit a payment or return that you made.
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A disputed transaction is one where a customer questions the validity of a transaction initiated through his/her registered Debit/Credit Card account. Customers may report a disputed transaction for various reasons, as mentioned below: Unauthorized transactions. Excessive charges.

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