How Do I Request a Chargeback for an Emburse Card Transaction?
A chargeback is a transaction reversal initiated to dispute an unauthorized or incorrect charge. If you don't recognize an Emburse Cards transaction or never received goods you paid for, you can dispute it and start the chargeback process by logging in to the Emburse Cards portal.
Chargebacks cannot be requested via Emburse Spend. You must log in to the Emburse Cards Portal.
When to Initiate a Chargeback
Before choosing to dispute a transaction, please ask yourself the following questions:
Is the transaction still pending?
If the transaction is still pending, it may not post. Most charges can take up to three business days to post. You cannot submit a chargeback request on a pending transaction.
Was the transaction related to a stolen card or a merchant incorrectly charging the card?
If the card was stolen or the merchant incorrectly charged the card, we always recommend contacting the merchant immediately.
Have you requested a refund from the merchant?
If the issue involves an incorrect charge or a billing error, contact the merchant first. Requesting a refund directly from the merchant is often faster and requires less processing time.
Chargeback Requirements
If the card was not lost or stolen, you will need to show an attempt to remedy the situation with the merchant directly in order to win a dispute. Emburse Cards will need written proof that you have contacted the merchant for a refund and they have denied your request.
Chargeback requests must be submitted within 110 calendar days of the transaction date. Please allow us a few days to process the chargeback request.
After submission, most disputes are resolved within 30 to 90 business days. If you have any questions or would like an update on the status of your dispute, please contact the Emburse Cards team.
Submit a Chargeback Request
- Log in to the Emburse Cards portal and click on the Transactions screen.
- Click on the "v" to the right of the transaction and select Chargeback.
Submit A Chargeback Request as a Cardholder
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In the sidebar, select Personal and then select My Transactions.
Locate the transaction you want to dispute.
Select More Actions, then select Chargeback.
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When prompted, indicate whether the transaction is fraudulent. If the transaction is not fraudulent, go to If the Transaction is Not Fraudulent.
If the Transaction is Fraudulent
If you select Yes, the card is immediately canceled.
Selecting Yes cancels your current card and prevents further transactions.
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Enter an explanation and upload any supporting documentation.
Select Continue.
Confirm whether you want a replacement card:
The option to order a replacement card when marking a transaction as fraudulent is only available for cards issued on or after January 14, 2026. If your card was issued before this date, contact your administrator to request a replacement card.
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To use your current address, select Cancel Card And Order A Replacement.
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To ship to a different address, select Enter New Address, update the address details, then select Cancel Card And Order A Replacement.
If you do not want a replacement card, select Do Not Order A Replacement Card, then select Continue.
If the Transaction is Not Fraudulent
If you select No, your card remains active. The dispute proceeds without canceling your card.
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Select Continue.
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Provide a reason for the dispute and complete all required fields.
Select Request Chargeback.