We totally understand how frustrating it can be when a merchant hasn't provided goods/services they've promised, or something comes broken.
What you need to know
We’re only able to process a chargeback once a transaction has cleared. Pending transactions can take up to 7 days to settle, though most clear much sooner.
Security deposit holds (e.g. from hotels or car rentals) can remain on your account for up to 30 days before being released.
Next steps
Once the transaction is no longer pending, you’ll be able to follow our dispute process here to get things sorted.