Visit us in branch. If you still don’t recognise the transaction or can't resolve the issue with the merchant, dispute the transaction in Online Banking or the Westpac App. A map of the transaction location. In countries where FATCA operates under regulations (and not an IGA), we. Verified account Protected Tweets @; Suggested usersAsk the customer to insert or swipe their card. A pending transaction can be released or reversed at any time if the merchant submits a request to the Bank. It is offered as a payment channel by over 170 financial institutions through their phone and Internet banking services. To make sure you're always connected to Westpac Online Banking, and not a fraudulent website, follow these 6 important steps: Type our address, westpac. Card payments occur in real-time: the transaction is made between Westpac and the payer's. This factsheet provides information about COVID-19 and chargebacks, including: What you should do before requesting a chargeback. You can change a transaction subcategory by selecting ‘edit’ from the transaction details screen. Westpac is one of Australia's biggest banks. Only available at Westpac ATMs in Australia. The first step in. 1unauthorised transaction, as opposed to a mistaken internet payment. They may be able to issue a refund or correct the mistake on the spot. Calling from overseas (+61 2) 9155 7700. More information on closing accounts:The Worldwide Wallet is a prepaid Mastercard® that lets you lock stylish your exchange rates pre you travel or shop. You load funds on the card in advance in up to 9 different money,. Please complete this form if you need to dispute a transaction on your Westpac Worldwide Wallet Account. . An address, phone number, and website, if available. Some branches now open weekends. a wedding. email: write to: prepaidmgmt_servicequality@mastercard. . Business Choice and Business Debit: 1300 650 107; or if outside Australia +61 2 9155 7700. Can I cancel or dispute a pending transaction? A dispute can only be lodged once the transaction has been fully processed. +61 2 8253 4530. au. 9:30am - 5pm, Fri. Having trouble downloading the Westpac App? Check our list of supported devices to see if it’s available for your device. A dispute is when a cardholder asks their bank for a chargeback on a transaction, claiming that they either didn't authorize the transaction or didn’t get what they paid for. Imran Bande Ali Transaction dispute officer, Westpac New Zealand Waitakere, Auckland, New Zealand. Then there is eftpos, which is the debit card payment system that takes funds directly from a customer’s cheque or savings. If you need to chat to us, you can do this through Red Monday to Friday 7am – 9pm and Saturday & Sunday 8am – 6pm. Additional fee charged by Westpac in lieu of our correspondent bank deducting a fee. Global ATM Alliance member banks are subject to change. The cardholder contacts their bank and provides the transaction details. Tap the share icon to download or send a copy. The below fees will be charged at the time of processing an International money transfer: Westpac Online Banking or the Westpac App (sent in a foreign currency) - $0 AUD. More information: How we protect you. Receiving a one-time passcode via Westpac Protect™ Security Code helps provide extra protection against fraud and scams by allowing you to confirm that you authorise a transaction or activity and validating the request is genuine. Fraud, disputes and lost or stolen business cards. If it’s none of the above, we can help you dispute a transaction. The bank must have a convenient process for reporting mistaken transactions. To request a refund of a mistaken payment. Your available funds will remain unchanged. Alternatively, you can select Disputes from the menu and click the Dispute a Transaction button. Yes, if you add a tag to a transaction, any other users who have access to your account will see the same tag. Financial institutions around the world have always been subject to attempts by criminals to try and defraud money from the institution and their customers. For any disputes in connection with a matter arising under these BPAY Terms and Conditions, please promptly notify us and we will attempt to resolve your dispute through our dispute resolution process. If you suspect the transaction could be credit card fraud, call our Card Services team on 0800 888 111, 24 hours, 7 days a week, or from overseas call +64 9 912 8000 (international toll charges apply). Your available funds will remain unchanged. Daily Withdrawal Limit Westpac. BPAY is Australia’s most widely used bill payment service which enables bill payers to transfer funds electronically from their bank accounts to billers. This form is digital – you can complete it on. Tell the customer to contact their card issuer. 1. Try the transaction again. 35pm. While the bank is under no obligation to do so on any particular occasion, we may permit you to overdraw your account by allowing a direct debit payment to occur even if there are insufficient funds in the account. If there's something wrong with an item you've bought with a credit or debit card, you may be able to get a refund by asking your bank or credit union for a chargeback. If you wish to escalate the complaint, please tell EML Payment Solutions Limited this and the referral will be facilitated free of charge. A pending transaction can all be cancelled or reversed at the request of the merchants. You should always check the accuracy of transactions appearing on your credit card statements. There’s every chance this is a scam email (a practice known as ‘phishing’), given you’re not a Westpac customer. AFCA is not part of Westpac and provides a free and independent service to resolve complaints by consumers and small businesses about financial firms. Please try again later. Westpac outages reported in the last 24 hours. The international daily limit for electronic cash withdrawals is A$1000 which applies to both. You can also phone 1300-651-089 or +61-2-9155-7700 (if. Visit us online at. This authorised amount is held and may appear as a pending refund for up to 5 days while the merchant finalises the refund. 9:30am - 4pm, Mon - Thurs. Westpac is one of the easiest banks to use to dispute a transaction,. Speak to a scam specialist. Use this form to provide your Tax File Number (TFN), Australian Business Number (ABN), Tax Identification Number (TIN), Exemption Code/s and/or Tax Residency Information to an existing trading account. 1. Report a card lost, stolen or damaged. Note: you can only view companies that have direct debited your account in the past 90 days. co. Australian's are being warned of the latest text scam attempting to steal banking details by posing as Westpac. All branches are open: 9:30am - 4pm, Mon - Thurs. Published 30 November 2021. All branches are open: 9:30am - 4pm, Mon - Thurs. What to do if there is a fraudulent transaction; Business card replacement after a fraudulent transaction; Card transactional issues and chargeback rights; What to do if your card is lost or stolen; How we keep your cards secure; Lock a lost business credit or debit cardHow do I dispute a card transaction in Westpac Online and Mobile Banking? My loved one has recently passed away. The Westpac App connects you straight to the relevant team member. 4oreign transactions. If you’re not satisfied with our response or handling of your complaint, you can contact the external dispute resolution scheme, the Australian Financial Complaints Authority (AFCA) on 1800 931 678. Business transaction accounts. au. Reduce manual data entry and save time by connecting your business transaction accounts to your accounting software. Pending transactions frequently asked questions. George Worldwide Wallet, there are no load, reload or unload fees, or ATM withdrawal dues at Westpac Group ATMs and over 50,000 ATMs external. The Westpac Global Currency Card is an unsecured debt security issued by EML Payment Solutions Limited (“EML”), arranged by Mastercard Prepaid Management. If a client wants to dispute a transaction, he must contact the merchant first. Handycards are available to customers aged 12 years and. Account number. On the right-hand side of your screen select the 'Message us' button to start the conversation. Most suitable if you need: An integrated business product designed to meet your cash flowA St. Branch opening hours. If you still don’t recognise the direct debit please call us on 132 032 from anywhere in Australia or (+61 2) 9293 9270 if you are calling from overseas. 1300 655 505. In simple terms, a chargeback is where money paid to a retailer for an item is reversed out of its account and refunded to yours. It’s great to enjoy the flexibility and freedom offered by our range of credit cards, but they do come with fees. We welcome your feedback or complaint on accessibility via our Customer feedback page or over the phone on 13 20 32 Monday to Friday, 8am – 8pm Sydney Time, 7 days from anywhere in Australia. We’ll need to wait until the transaction is complete and no longer. A pending transaction (a payment already deducted from your available balance, but still being processed) A conversion rate applied to an international purchase. 2. If you've accidentally transferred money to the wrong account, it can't be reversed and we can’t stop the transfer from going through. Some branches now open weekends. George Wide Wallet is an prepaid travel money joker that canned help you save on foreign transaction fees and give you control over your spending. Trey went to a bar while overseas, and during his visit three transactions totalling $15,000 were charged to his Visa credit card. To access cardless cash on your mobile you must be registered to use Westpac Online. How to dispute a transaction. What is a pending transaction? When you make a purchase using a credit or debit card (selecting credit, contactless payment or online/phone purchase) the bank will authorise the payment and immediately deduct that amount from your available funds. Our Fraud Detection Team advises you on unusual. If you find a transaction that doesn’t look right, you can lodge a dispute within 30 days of the transaction taking place #. Note: You will not see other transactions made with your Westpac card. Current Westpac credit card customers or customers who have held a Westpac credit card in the last 12 months are not eligible for this offer. Some branches now open weekends. On 24 September 2020, Westpac Banking Corporation (Westpac) agreed to pay AU$1. Cancel your card. An Electronic Chargeback (eChargeback) is the electronic submission of chargeback notifications to the merchant. Manage my Credit Cards frequently asked questions. Please select the reason that best matches the purpose of your money transfer and include any relevant details in the free-text description box. . 2. There are no establishment or ongoing fees for accessing Online Banking, however fees and charges apply for the processing of some payments. You can dispute transactions that you haven't authorised by contacting us within 30 days of the date of the statement. 9:30am - 5pm, Fri. S. Block your credit card or debit card if it’s lost or stolen. [6] Telegraphic Transfer received by you [4] per transfer $15 to a Westpac account [5] $15 to a non-Westpac account [5] $15 to a non-Westpac account. If you need to chat to us, you can do this through Red Monday to Friday 7am – 9pm and Saturday & Sunday 8am – 6pm. How do I dispute a card transaction in Westpac Online and Mobile Banking? My loved one has recently passed away. nz. 4 out of 5 stars from 1,413 genuine reviews on Australia's largest opinion site ProductReview. 1. The Reserve Bank (Te Pūtea Matua) has issued a formal warning to Westpac New Zealand for failing to report prescribed transactions, a requirement by law. What's a BSB number?The Westpac Group intends to meet all legal obligations under FATCA in accordance with relevant laws. Westpac provides the Westpac Added Online Security Service to our customers. 3 billion in penalties for admitted breaches of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF Act) in a proposed settlement with the Australian Transaction Reports and Analysis Centre (AUSTRAC). Select the Payment currency. Tags for holidaysWestpac also offers the EFTPOS Air app, which allows payments to be taken on compatible phones and tablets 1. Mainland. There were key issues in dispute in Sarah's case. Option 2: Contact us on 1300 651 089 (8am – 8pm AEST) and request to lodge a dispute. Some branches now open weekends. You can contact ShopBack via the ShopBack app or website. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141. From anywhere in Australia 8am – 8pm Sydney Time, 7 days a week, except Public Holidays. Disputing a transaction. You may be able to regain access to your account by repaying the amount owed (more info on that below). Useful contacts . any Westpac branch, online at westpac. Handycards are available to customers aged 12 years and over. 9:30am - 5pm, Fri. If you have bought the goods on your debit card and linked it to Paypal, you. 2. When sending money to the countries listed below, you will need to select a "Reason for payment" from the list available for each country. Please also ensure the payer has your full 12-digit account number. Think card activation, locking and unlocking, changing your PIN and more – all in just a few taps. your bank or Amex) to the merchant via their bank. Pay with your mobileTo combat potential fraud, Riot has a few rules in regards to how it deals with chargebacks: Your Riot Account will be suspended once a chargeback occurs. Handycards can be requested at our branches and are mailed to you. You can stop receiving paper statements and be notified by email when your new statement is ready to be viewed. Go to Overview. You can view Date, Description, Payment Type (Debit / Credit), Amount (s), Account balance in your transaction history. If an ATM fails to give you money, report the problem as soon as possible by immediately contacting your bank or credit union. Westpac Banking Corp , Australia's third-largest bank by market capitalisation, said on Monday it would raise A$750 million ($488. com. Select the From account. Your card or the transaction account has insufficient funds or. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing?So, I filed a CC dispute with my bank Westpac, submitted a statement and related evidence (listing screenshot, my email to seller confirming phone was brand new etc. Lock or Unlock your card. unauthorised transaction, as opposed to a mistaken internet payment. Please complete and return this form to us within 30 days of initial notification of your dispute (as timeframes may affect the outcome of your claim). In Online Banking. Delete the fake email from your inbox, sent and trash folder. Your statement will show the. If a client wants to dispute a transaction, he must contact the merchant first. All credit or debit card purchases, including contactless transactions, should be protected by the companies’ chargeback policies. Connect to Xero, MYOB, QuickBooks and more in Online Business Banking. “eligible Westpac transaction account” means a Westpac deposit account in relation to which Cardless Cash is available for. If you have lost your card or suspect a pending transaction is fraudulent, you can cancel or temporarily lock your card using Online Banking, or by calling us on 1300 651 089 from anywhere in Australia or +61 2 9155 7700 if you are calling from overseas. e. Find out more about card transaction disputes at BOQ. Altitude Rewards Credit Cards. Tap Statements (incl. There's no annual rewards fee for this program. Each transaction related to the wedding is categorised as usual. DISPUTE CLAIM FORM Version 1. Report suspicious emails or scam details to hoax@westpac. What to do if there is a fraudulent transaction; Business card replacement after a fraudulent transaction; Card transactional issues and chargeback rights; What to do if your card is lost or stolen; How we keep your cards secure; Lock a lost business credit or debit cardThe Federal Court has ordered Westpac to pay penalties in the amount of $113 million for widespread compliance failures across multiple businesses, including Westpac’s banking, superannuation, wealth management and insurance brands. 1800 022 022. The contact details for AFCA are set out below. To speak to someone from our team at Westpac Assist, call 1800 067 497. You can continue to use the same PIN from your existing card on the new card. They allege the culprit is Forum Finance, run by Sydney businessman Bill Papas. Make no abroad transaction services when you used your joker go spend and enjoy access to Flight Delay Pass. Black cardholders can call 1300 651 999. A refund comes directly from a merchant, while a chargeback comes from your card issuer. DECLINED CANNOT PAY. AFCA provides a free and independent service to resolve complaints by consumers and small businesses about financial firms (e. Tap the Statement date period you want to view. Generally, you’ll have two options when disputing a transaction: refund or chargeback. An unauthorised transaction is when someone transfers money from your account without your permission. The fallout from Westpac’s 23 million alleged breaches of anti-money-laundering laws has plunged the bank into crisis and rocked the financial sector. Search SMS Code & Token in the Smart Search bar. Visit your local branch. You should receive your replacement card within 5-7 business days if you’re in Australia or up to 5-10 business days if you’re overseas. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing?Card transactions. Austrac was established on the heels of the 1988 Final Transactions Reports Act for banks (and other deposit-taking institutions) to lodge reports on cash transactions over $10,000 or payments. The merchant is then obligated to provide evidence that the service is provided. 9:30am - 5pm, Fri. We offer various liability structures to meet your individual business needs, including personal, joint and several and business liability. Since joining Westpac in 1994, Peter has held senior finance roles including Chief Financial Officer with responsibility for Westpac’s Finance, Group Audit, Tax. Some branches now open weekends. Fraud and disputes – keeping your cards secure. If a chargeback occurs on a gifting transaction, both the Riot Account sending. We will check this as part of lodging a dispute on any fraudulent transactions that have occurred from the theft or unauthorised use of your credit card details. Needing to update who is a signatory to your business account. • Westpac’s foreign exchange rate will apply when converting currencies in Online Banking, the Westpac App or when we otherwise convert on your behalf. com. You will see the transaction appear as Osko or the Osko logo (see below) when you make or receive an Osko Payment. An address, phone number, and website, if available. The trading name and logo. visit the nearest branch to dispute an ATM deposit or direct debit. If the cardholder’s bank feels the dispute is valid, the transaction in dispute is reversed from your merchant account and refunded to the cardholder. All branches are open: 9:30am - 4pm, Mon - Thurs. To view a complete list of your transactions, refer to your Westpac. An Electronic Chargeback (eChargeback) is the electronic submission of chargeback notifications to the merchant. $15 via staff assisted to another Westpac foreign currency account $25 our charge option. 11. Step 1. Austrac was established on the heels of the 1988 Final Transactions Reports Act for banks (and other deposit-taking institutions) to lodge reports on cash transactions over $10,000 or payments. e. Tap the magnifying glass icon. Aforementioned transaction need to be fully processed. As part of the claims. The service is built on the New Payments Platform and enables fast payments to a PayID or an eligible BSB and account number. g. In Online Banking. If it can’t be resolved and you wish to dispute a transaction on your card, complete the dispute form, contact Card Services on 0800 444 691 (when calling from inside New Zealand). Find out more about card transaction disputes at BOQ. In this conversation. As a part of the Fair Credit Billing Act (FCBA), banks are required to acknowledge a disputed transaction no more than 30 days after they receive your complaint. They must then resolve it within two billing cycles, which may not exceed 90 days from the date of your complaint. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing?Branch opening hours. Provide relevant documentation as requested (e. You can also lodge a query with their Chatbot . Choose from retail gift cards, cashback, a range of partner airlines, our own online store or our unique ‘Pay by Points’ feature. (46) Corporate Credit Card Administrator will send the cardholder either the Westpac "Dispute Transaction" form or a "Fraud Claim" form for completion - depending on the issue. Unfortunately, Westpac’s response took longer than expected and he didn’t get the result he was hoping for. Your conversation with Red is secure and your personal information protected at all times. If you have lost your card or suspect a pending transaction is fraudulent, you can cancel or temporarily lock your card using Online Banking, or by calling us on 1300 651 089 from anywhere in Australia or +61 2 9155 7700 if you are calling from overseas. You should receive your replacement card within 5-7 business days if you’re in Australia or up to 5-10 business days if you’re overseas. Westpac: 1300 651 089 +61 2 9374 7237: Your Credit Union: 1800 621 199: N/A: Promoted. Branch opening hours. This is faster than regulatory standards require. Other banks may still deduct fees from your payment. nz Can I cancel or dispute a pending transaction? A dispute can only be lodged once the transaction has been fully processed. Cost of living support. westpac. Westpac Worldwide Wallet Product Disclosure Statement (PDF 307KB) Online Banking Terms and Conditions (PDF 355KB) You should read the Westpac Worldwide Wallet Product Disclosure Statement, Online Banking Terms and Conditions, and Westpac Retail and Business Banking Financial Services Guide before making a. In general, it’s not possible to cancel them while they’re pending. In the Imports section, select IMPORT NEW FILE. This is your 6-digit BSB, followed by your 6-digit account number. Pay with your mobileTo combat potential fraud, Riot has a few rules in regards to how it deals with chargebacks: Your Riot Account will be suspended once a chargeback occurs. In a statement on Monday morning, the. If you receive a status code starting with 'Q' that you do not understand, you should contact your. The Reserve Bank (Te Pūtea Matua) has issued a formal warning to Westpac New Zealand for failing to report prescribed transactions, a requirement by law. Share. 1800 221 815. Keeping your data safe. Transactions with a pending category can’t be updated and won't appear in your Cash. Please forward hoax/scam SMS messages claiming to be from Westpac to 0497 132 032 for investigation. Allow a customer to enter their card details manually. Additional fee charged by Westpac in lieu of our correspondent bank deducting a fee. (47) The cardholder must complete the relevant Dispute or Fraud claim form and return the form to Corporate Credit Card Administrator. When receiving international money transfers to your Westpac account, you may be asked for Westpac’s Correspondent Bank. Westpac Bank. You are not registered for Online Banking, and you do not have an active Westpac Protect. How 3D Secure works. A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. As part of the eChargebacks process, an issuing bank may request more information (make a retrieval request) from Westpac about a disputed transaction, and then raise a chargeback. Normal mobile data charges apply. Pending charges can tie up your funds, making it difficult to use these funds for other transactions. This is the first and easiest option to resolve the dispute. All branches are open: 9:30am - 4pm, Mon - Thurs. If Westpac can’t resolve your complaint at your first point of contact with them, they will escalate it to their Customer Solutions Team. You can dispute transactions that you haven't authorised by contacting us within 30 days of the date of the statement. Funds Settlement; Contact. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing? When will I need probate or letters of. Westpac Get Paid on-the-go or Westpac Get Paid in-store technical support. Before trying these instructions make sure you update to the latest version of the app . Find out more. § 1110 to prevent the assignment of its leaseholds without its consent. Westpac's panicked response to its money-laundering scandal looks ill-considered. If you’re an Administrator, call us on 1300 650 107 to lock any additional cards. An account overdrawn fee and debit interest may apply. Benefits. But the timing is important. As your list of tags grows you can go in and select which tag is most relevant for your current transaction. Ukraine: UkrSibbank. (+61 2) 9155 7700. For debit card transactions made when the customer selects CHQ or SAV, the transaction amount will be deducted from both the account’s. 9:30am - 5pm, Fri. DECLINED CANNOT PAY. You may be charged Foreign Transaction Fees (as set . Tap Cancel payment or Amend payment (Android) or Options > Cancel payment or Amend payment (iOS) . What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing? When will I need probate or letters of. . Tap Forgot customer ID or password on the sign in screen. Osko payments and payments to PayIDs can only be made through Westpac Online Banking. Osko by BPAY TM is a near real-time payment. My Westpac Handycard does not have a CVC, what can I do? A CVC is required to add a. When an unauthorized transaction is made with your credit card, your maximum liability, by law, can't be more than $50. The Merchant services. Calling from the Westpac App operates at the same opening hours as our Customer Care team. 9:30am - 5pm, Fri. Westpac CardGuard provides round-the-clock protection from fraudulent activity on your personal credit card 1. Contact ShopBack for assistance with any enquiries relating to your ShopBack account, transactions, Cashback or Bonus Cashback. Most suitable if you need: An integrated business product designed to meet your cash flowBoullioun contends its purpose on appeal is not to challenge the post-petition loan transaction itself (Boullioun concedes it accepted its $1. Option 2: Contact us on. 4. Fraudulent transaction vs dispute with a seller. 3. Some branches now open weekends. The system will continue to learn as you update your subcategories. 1. Card due to expire push notifications will be available from December 2022. Traditionally a paper letter is sent to the merchant notifying of their chargebacks. A St. Westpac foreign currency account $25 our charge option. When a cardholder asks for a chargeback, the retailer’s bank may agree to pay back funds to the cardholder's bank. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Find out more about what to do if you suspect your credit card has been used fraudulently. When you request a refund for a purchase made using a credit or debit card (selecting credit, contactless payment or online. 68 million. Before trying these instructions make sure you update to the latest version of the app . How do I dispute a card transaction in Westpac Online and Mobile Banking? My loved one has recently passed away. The merchant's bank contacts the merchant within 72 hours and asks them to provide details about the. By default, 25 transactions will be displayed with the option to display more transactions. ‘Westpac’, ‘our’, ‘we’ or ‘us’ means Westpac Banking Corporation (ABN 33 007 457 141). PayID and Osko payments are made through the existing payment platforms of participating banks. fill in the Transaction dispute form to dispute an ATM withdrawal. By adding the tag “Wedding” to the transaction, you can see how much you’ve spent in each category for the “Wedding” at any time, helping you keep track of your spend. Try the transaction again. If you find a transaction that doesn’t look right, you can lodge a dispute within 30 days of the transaction taking place #. Pending refund. When a credit card holder is not satisfied with the merchant transaction, the card scheme rule allows for a claim. For Westpac issued products, conditions, fees and charges apply. . All branches are open: 9:30am - 4pm, Mon - Thurs. Page 9, Contact Westpac’s Customer Relations and Support Team, delete whole section and insert: “Westpac is here to help. Before trying these instructions make sure you update to the latest version of the app . Your conversation with Red is secure and your personal information protected at all times. We’re sorry, this feature is currently unavailable. George, BankSA and Bank of Melbourne accounts and Mobile Banking Apps. If you suspect the transaction could be credit card fraud, call our Card Services team on 0800 888 111, 24 hours, 7 days a week, or from overseas call +64 9 912 8000. auTo dispute a transaction in NAB, you should: for online and EFTPOS transactions log in to the mobile app or online banking, choose the transaction and press "Something not right?", follow the prompts. If you take too long to raise a dispute from the date the transaction occurred, we. If your card is lost or stolen, you can let us know at any time, from anywhere in the world. 13 20 32. If a merchant's chargeback ratio exceeds certain thresholds, it can result in serious consequences. b. The external dispute resolution service available for the Westpac Global Currency Card is: 8am - 8pm AEST, Monday - Friday. If they cannot then the purchase amount (in the currency purchased) must be refunded. To lodge a dispute: Fill out the.