Dankort Chargebacks

Example:

The phone I ordered cost 488 DKK, but the merchant charged 599 DKK.

What you can do:

You can get a refund for the difference between the agreed amount and the charged amount through your bank. You must be able to document that a higher amount than agreed was charged (e.g., an invoice with the correct amount) and that you have contacted the merchant to attempt to resolve the matter.

Example:

I ordered a book online but changed my mind and cancelled the order before it was delivered.

What you can do:

If you have unsuccessfully attempted to resolve the matter directly with the merchant, you can get a refund of the card payment through your bank if you can document that you notified the merchant within the deadline.

Example:

I ordered a book online but changed my mind. The item was returned to the merchant by the postal service, but I have not received my money back.

What you can do:

If you have unsuccessfully attempted to resolve the matter directly with the merchant, you can get a refund of the payment through your bank if you can document that the item was returned within the deadline.

Example:

I ordered an item online but never received anything from the seller.

What you can do:

If you have unsuccessfully attempted to resolve the matter directly with the merchant, you can get a refund of the payment through your bank.

Note: You cannot get a refund if the non-delivery is due to the merchant being declared bankrupt.

Example:

The item I received is broken and/or does not work as it should. For example, it could be a hairdryer that does not work or a vase that is broken.

What you can do:

If the item is defective, you must try to resolve the matter with the merchant. You cannot get a refund through your bank.

Example:

The item I received does not match the item I ordered. For example, the color might be incorrect, or shoes are the wrong size.

What you can do:

If you can document that the item differs significantly from what you ordered (e.g., with an order confirmation of the item you should have received) and that you have returned the item and attempted to resolve the issue with the merchant, you have the same rights as if you had not received the item (see the above section).

Example:

1) The physical item I ordered and paid for cannot be delivered because the merchant has gone bankrupt.

2) I have prepaid for an item/service (e.g., a flight ticket or concert ticket) that I cannot use because the provider has gone bankrupt.

3) I agreed with the merchant to prepay half the price of a customized countertop. The merchant went bankrupt before delivering the customized countertop.

What you can do:

If you have fully or partially prepaid for an item/service with the Dankort portion of your card, you are not covered in the event of the merchant going bankrupt. Therefore, you cannot get a refund through your bank and must instead file a claim against the bankruptcy estate.

Example:

I have lost or had my card stolen, and I discover that payments were made with the card that I did not authorize before I managed to block it.

What you can do:

You should block your card immediately if you discover that you have lost it.

If your card was lost or stolen at the time of the purchase, you can get a refund through your bank.

Please note that there may be a deductible.

Example:

I made a purchase at a store, and afterwards they have charged me for a subscription that I was not clearly informed of and did not agree to during the purchase.

What you can do:

If you have unsuccessfully attempted to resolve the matter directly with the merchant, you can get a refund through your bank. However, note that the merchant may dispute the claim if they can document that you were clearly informed and agreed to the subscription.

Example:

I canceled my fitness subscription according to the cancellation terms, but the fitness chain continues to charge the recurring payment after the cancellation deadline.

What you can do:

If you have canceled your subscription in accordance with the merchant's cancellation terms and have contacted the provider without receiving a refund within a maximum of 30 days, you can get a refund through your bank.

Example:

I made one purchase at the store, but the store charged the amount twice.

What you can do:

If you have attempted to resolve the matter with the merchant and the debits were made from the same card, for the same amount, from the same merchant, and on the same purchase date, you can get a refund through your bank.