Revolut Business Chargebacks: How to Respond as a Merchant

Quick answer

Revolut Business processes Visa and Mastercard payments. When a customer disputes a transaction, Revolut notifies you in the Business dashboard and gives you 30 days (Visa) or 45 days (Mastercard) to respond. You do not need to contact Revolut directly — responses are submitted through the dashboard disputes section.

If you use Revolut Business to accept card payments and one of your customers has disputed a transaction, Revolut will send you a chargeback notification in your dashboard. Here's how to find it, respond before the deadline, and build an evidence package that wins.

How chargebacks work on Revolut Business

Revolut Business processes both Visa and Mastercard transactions. When one of your customers disputes a payment, their bank sends the chargeback through the Visa or Mastercard network to Revolut. Revolut then forwards the dispute notification to you and temporarily debits the disputed amount from your Revolut Business account.

At that point your response clock starts. You have 30 calendar days for Visa disputes and 45 calendar days for Mastercard disputes to submit your response through the Revolut Business dashboard. Miss the deadline and Revolut reports a non-response to the card network — an automatic loss.

Revolut handles the communication between your evidence submission and the card network. Your job is to upload a strong, reason-code-specific response before the deadline.

How Revolut notifies merchants about chargebacks

Revolut Business sends chargeback notifications in two ways: an email to your registered business email address, and an in-dashboard alert in your Revolut Business account.

To find your disputes: log into your Revolut Business dashboard → go to the Payments section → select Chargebacks. Each dispute shows the transaction amount, the reason code, and the response deadline.

The reason code is the most important field — it tells you exactly what evidence Revolut (and the card network) expects. A 13.1 (goods not received) dispute requires delivery evidence. A 10.4 (fraud/unauthorised) dispute requires proof of authorisation. Different codes, different evidence.

How to respond to a chargeback on Revolut Business

Step 1: Log into your Revolut Business dashboard and navigate to Payments → Chargebacks. Find the open dispute and note the reason code and deadline.

Step 2: Identify the card network. The notification will specify Visa or Mastercard — this determines your response window (30 or 45 days) and the applicable reason code framework.

Step 3: Gather evidence specific to the reason code. For goods not received (Visa 13.1 / MC 4855): carrier tracking with delivery confirmation. For not as described (Visa 13.3 / MC 4853): product photos and specification. For fraud (Visa 10.4 / MC 4840): IP address, device fingerprint, and order history.

Step 4: Write a rebuttal letter. State why the chargeback is invalid, reference each piece of evidence, and keep the response factual. Generic responses rarely win — address the reason code directly.

Step 5: Upload your evidence and rebuttal through the Revolut Business dispute interface and submit before the deadline. Revolut forwards your response to the card network. You'll be notified of the outcome when a decision is reached.

Evidence that wins Revolut Business chargebacks

Revolut forwards your evidence to Visa or Mastercard, who apply their standard evidence criteria. Evidence that consistently wins Revolut Business disputes:

Carrier tracking with confirmed delivery scan — include the tracking number, carrier name, and screenshot of the delivery confirmation with date and location
IP address and device fingerprint from the original transaction, confirming the order was placed from the customer's device
Order confirmation email sent to the customer's email address on record
Product photos and specification matching exactly what was shipped
Customer communication — any email, chat, or message from the customer before or after the transaction
For digital products: access logs, download records, or login history confirming the customer used the product
For subscriptions: terms accepted at signup, cancellation policy, and billing notification history

Common reasons merchants lose Revolut Business chargebacks

Missing the response deadline. Revolut sends notifications by email and in-dashboard, but if you don't check regularly, disputes can expire unnoticed. Set up email filters so Revolut dispute notifications never go to spam.

Submitting evidence that doesn't match the reason code. A proof of delivery doesn't win a "not as described" dispute. Always read the reason code first and build evidence around it.

Poor rebuttal structure. Uploading documents without a cover letter explaining what each piece proves is a common mistake. Revolut and the card network reviewer need to understand your argument — not piece it together from raw files.

Not explaining the billing descriptor. If your Revolut Business account name doesn't match your brand, customers may dispute transactions they don't recognise. Include a brief explanation of your trading name in every fraud or unrecognised transaction response.

How ChargeMate handles Revolut Business chargebacks for you

ChargeMate handles your dispute responses end-to-end. You share your dispute details and evidence — we write a network-compliant rebuttal and handle submission. No API integration with your payment processor required.

$10/case flat or 20% on wins only. No monthly minimum. Works with any UK payment provider.

Handle my chargebacks →

Frequently Asked Questions

How do I find chargeback notifications in Revolut Business?▾

Log into your Revolut Business dashboard → Payments → Chargebacks. You'll also receive an email notification to your registered business address when a new dispute arrives. Check this section daily if you have any volume of transactions.

How long do I have to respond to a Revolut Business chargeback?▾

30 calendar days for Visa transactions, 45 calendar days for Mastercard transactions. The deadline starts from the date Revolut notifies you. Missing the deadline is an automatic loss — Revolut reports non-response to the card network.

What evidence does Revolut require for chargeback disputes?▾

Revolut forwards your evidence to Visa or Mastercard, so the requirements are set by the card network and depend on the reason code. Goods not received: delivery tracking and confirmation. Not as described: product photos and specification. Fraud: IP address, device fingerprint, billing address match.

Does Revolut Business use Visa or Mastercard for chargebacks?▾

Revolut Business processes both Visa and Mastercard card payments. The network depends on your customer's card. Your Revolut dispute notification will specify which network applies, which determines your deadline (30 days Visa, 45 days Mastercard) and the reason code system.

Can ChargeMate handle Revolut Business chargebacks without API access?▾

Yes. ChargeMate doesn't need API access to Revolut Business. You share the dispute details, reason code, and any evidence you have — we write a network-compliant response and tell you exactly what to upload and submit in your Revolut dashboard. $10/case or 20% on wins.