What is a dispute?

A disputed charge occurs when a cardholder reports an error specific to the billing of the transaction, or when expected services were not met by the merchant.

Before disputing a charge, please consider the following:

  • Merchants may use a different name for billing than you’d initially expect. Search the name on the internet to find more information.

  • If a transaction is unrecognized, check with others within your company to ensure that they didn’t make the charge. This is often the case!

  • Check any receipts, statements, online orders, subscriptions, etc, as this can help you recognize the purpose of the transaction.

Important note before filing a dispute

If a charge related to the billing appears incorrect or there was a problem with the purchase, we ask that you work directly with the merchant first as this is the quickest way to resolve the issue.

  • Brex requires that you give the merchant 7 days to respond to your inquiry before submitting your dispute.

  • If a charge is pending and you would like to file a dispute, this transaction needs to be posted before the dispute can be filed and processed. The easiest way to check this is from your Brex dashboard or on the Brex mobile app. The transaction will either be pending or processed (posted).

Note: After a dispute is filed, it can take up to 90 days to resolve it.

How to file a dispute

There are 2 types of disputes on Brex: A fraud dispute or a merchant dispute.

Fraud disputes

This covers any transaction that you don’t recognize, leading you to believe that someone wrongfully obtained your card credentials and transacted without your knowledge.

To file a fraud dispute, please first read these instructions: How can I dispute a fraudulent transaction?.

Merchant disputes

These apply to vendors that you do recognize, but don’t agree with the charges. This is relevant when you never received the product or service you paid for, or the charge is higher than agreed upon.

To file a merchant dispute, please see: How can I submit a merchant dispute?.

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