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Chargeback request to a card issuer (Malta)
Malta · in English · for consumers
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13 questions · about 5 min
Made for use in Malta
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For someone in Malta who paid by debit or credit card and did not get what they paid for — goods never delivered, faulty or not as described, a refund never paid, a payment taken twice — and could not settle it with the trader. The letter asks the card provider to raise a chargeback under the card scheme's rules and to answer in writing. Many providers have a free online dispute form that does the same job; ask the trader first.
- Made for use in Malta
- Last updated November 3, 2026
- Document in English
Published byDocMuse
When to use this document
- You paid by card in Malta for something that never arrived and the seller has vanished.
- The trader in Malta promised a refund to your card but it never came.
- Your card in Malta was charged twice for the same purchase.
- You want your bank in Malta to reverse a card payment through a chargeback.
What you fill in
The details the document asks for.
- Sender
- Sender's address
- City
- Sender's postcode
- Date
- Card provider (bank or card company)
- Card provider's postal address
- Account number or last digits of the card
- Merchant
- Date of the transaction
- Amount paid
- Reason for the chargeback
- What the complaint is about
Common questions
- Is a chargeback a right given by law in Malta?
- No. It comes from the rules of the card schemes, such as Visa and Mastercard, which let your card provider ask the trader's bank for the money back when the trader did not deliver what you paid for. Providers use it as a matter of practice. A payment you never authorised is different: tell your provider at once, since the law on payment services gives you a separate right to a refund.
- How long do I have to ask for a chargeback in Malta?
- The card schemes set the time limits, and card providers may apply their own, so ask as soon as you know that something has gone wrong — usually after first giving the trader a chance to put it right. Keep the receipt, the order confirmation and every message with the trader.
- What can I do in Malta if my card provider refuses a chargeback?
- Ask for its final response in writing, with its reasons. If you think it acted unfairly, you can complain to the Arbiter for Financial Services (after first complaining to the card provider itself) provided your written complaint reached the card provider within two years of when you first knew of the matter. You can still pursue the trader directly.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.
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