Chargebacks

• Ask the store for the refund and wait for their answer. Within the guarantee, it goes out in a few days.
• If you do not recognise the charge, look it up first in Who charged me?.
• Keep the purchase email and your messages with the store.

1. 11. Open your bank's app or website and find the “ONBIO*” charge with the store's name.
2. 22. Choose the option to claim or dispute the charge.
3. 33. Explain the reason and attach the purchase email and your messages with the store.

While the bank reviews the chargeback, your access to the product may be paused and your area says so with «The payment is under review.». The store cannot refund it while it lasts, because the bank resolves it. If you ask the store for the refund and also claim with the bank, the bank resolves it and the store closes your request.

A chargeback can take weeks or months. The bank sends your claim to the store, which answers with its evidence. With both versions in front of it, the bank decides. When the bank decides, it tells you itself.

If the bank rules in your favour, you get the money back and lose access to the product, as with a refund. If it does not, the charge stays and access continues. Claim with your bank explains it.

• You know how many days you have to withdraw and when that right is lost.
• You know the guarantee protects you even if you started a course.
• You know how to ask for a refund and follow its status.
• You know how to identify a charge you do not recognise.
• You know complaining to the bank is the last route and why it takes longer.