Chargeback Traps
Scams targeting sellers, where buyers exploit chargebacks to get goods for free after paying.
Last reviewed: 1 June 2026
What this scam is
A chargeback trap targets sellers. A buyer pays, receives the goods, then files a fraudulent chargeback or dispute to reclaim the money while keeping the item.
How it works
The 'buyer' uses a card or payment app, receives delivery, then claims the item never arrived or was unauthorised. Without strong proof of delivery, the seller loses both goods and payment, plus fees.
Common red flags
- Buyers pushing for fast, untracked shipping
- Requests to ship to an unverified address
- Pressure to avoid signature/tracking
- Repeat disputes from the same buyer
Sanitized example messages
Illustrative, sanitized examples. Personal details are replaced with placeholders such as [phone number] and [fake link].
Please ship today without tracking to save time — I'll leave great feedback.
Payment methods used
- Card payments
- Payment apps
Who is usually targeted
- Small sellers
- Independent online shops
- Private sellers
What to do immediately
- Always use tracked, signed delivery for valuable items
- Keep all proof of delivery and communication
- Respond to disputes promptly with evidence
Evidence to preserve
- Tracking and delivery proof
- Buyer messages
- Order and payment records
Where to report it
- Action Fraud (UK) — UK national fraud & cybercrime reporting centre
- FTC ReportFraud (US) — US Federal Trade Commission fraud reports
- FBI IC3 (US) — US Internet Crime Complaint Center
- Scamwatch (Australia) — Australian competition & consumer reporting
Always verify reporting routes and emergency contacts on the official government or agency website for your country.
Frequently asked questions
How can sellers protect against fraudulent chargebacks?
Use tracked and signed delivery, ship only to verified addresses, keep records, and respond to disputes quickly with evidence. Payment processors weigh proof of delivery heavily.