Crypto Card Refunds and Chargebacks Explained

There is more than one way to reverse a payment. The process and timing depend on what stage the payment is at.

Reversal vs refund

An authorization reversal releases the authorization before the transaction is captured. A refund is when the merchant returns the money after capture.

When to consider a chargeback

Typical cases are unauthorized transactions, goods not received, and an agreed refund that never arrived. Contact the merchant first; if that does not resolve it, raise a dispute through card support. Whether it is accepted depends on card network rules and the issuer’s decision.

What is different with crypto cards

Refunds are usually processed in the card’s currency. If assets were converted when you paid, the amount or form you get back may differ from the original, and the on-chain transaction itself cannot be reversed.

What to prepare

• Time, amount and merchant name of the transaction
• Order confirmation and receipt
• Your correspondence with the merchant

Xerovan users can check the transaction history in the app and contact hello@xerovan.com.

Note: This article is general information, not financial or legal advice. Xerovan is not a bank; card and payment services are provided by licensed partners. Availability and fees vary by country, and merchants and issuers decide whether to approve a payment. Digital assets involve risks, including price volatility, network disruptions and possible loss of funds.