A chargeback happens when you ask your bank or card issuer to dispute a payment. This is different from requesting a refund from your healthcare provider or from Flywire.
Chargebacks are usually used when you believe a payment was unauthorized, duplicated, processed for the wrong amount, or made in error.
Before You File a Chargeback
If you recognize the payment but have a question about it, contact your healthcare provider’s billing office first. They can help review the account, explain the charge, or discuss refund options if needed.
Filing a chargeback may temporarily reverse the payment while your bank reviews the dispute. During that review, your healthcare account may show the balance as unpaid again.
What Happens After a Chargeback Is Filed
Once a chargeback is opened:
- Your bank or card issuer reviews the dispute.
- The payment may be removed from your healthcare account while the case is investigated.
- Your healthcare provider may be asked to provide proof that the payment was valid.
- The bank decides whether the chargeback is approved or denied.
Flywire and your healthcare provider do not control the final decision. That decision is made by your bank or card issuer.
How a Chargeback Can Affect Your Account
If the payment is reversed, your account may still show an outstanding balance. This can affect payment plans, scheduled payments, or account status until the dispute is resolved.
If the bank denies the chargeback, the payment may be reapplied to your account.
When to Contact Support
Contact your healthcare provider’s billing office or Flywire Support if:
- You do not recognize a payment.
- You believe you were charged the wrong amount.
- You think a payment was made more than once.
- You need help understanding how a chargeback affected your account.
For the fastest help, include the payment date, amount, last four digits of the card used, and any confirmation number you received.