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If you purchased a good or service that did not meet expectations, was not delivered, or was incorrectly charged, you may request a dispute. Disputes are submitted through the Visa network and are subject to Visa’s dispute resolution process. Karat does not provide separate purchase protection coverage beyond the Visa dispute process. However, our team can assist you in preparing and submitting a dispute to Visa. Before contacting us, please follow the steps below.
1

Contact the merchant

In most cases, the fastest way to resolve an issue is by contacting the merchant directly. Merchants are often willing to issue a refund when you did not receive what you paid for.We recommend reaching out by email whenever possible, as it creates a written record of your attempt to resolve the issue. If you are unable to reach the merchant on your first attempt, continue trying.Disputes are more likely to be denied if there is no evidence that you attempted to resolve the matter directly with the merchant.
2

Review the merchant's refund policy

Check the merchant’s posted refund policy before initiating a dispute.If the merchant failed to follow their own stated policy, take a screenshot of the policy as evidence. If the merchant acted in accordance with their published refund policy, the dispute is unlikely to be successful.Resolving the issue directly with the merchant may lead to a better outcome.
3

Review terms of service

For subscriptions or services, review the Terms of Service or cancellation terms.If the transaction complied with the agreed-upon terms, the dispute may not be successful.
4

Collect your evidence

Strong documentation improves the likelihood of a successful dispute.Helpful evidence includes:
  • Email correspondence with the merchant
  • Call logs showing attempts to contact the merchant
  • Receipts or order confirmations
  • Refund policies
  • Terms and Conditions
  • Contracts or service agreements
  • Photos (if applicable)
Provide a detailed explanation of what occurred, including dates and timelines

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Submitting a Dispute

If you have made reasonable attempts to resolve the issue directly with the merchant and were unsuccessful, contact us and we will:
  • Review your documentation
  • Submit the dispute to Visa on your behalf
  • Notify you once a resolution has been reached
Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC. The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, and pursuant to a license from Visa️ USA.