We’re committed to making disputes as simple as possible. If you notice fraudulent or delinquent activity on your card, you can report the transaction directly through your Divvy dashboard or mobile app. Follow the steps below to report a dispute.

When submitting a dispute, you can select one of two dispute types: Fraud or Discrepancy. The Fraud dispute type should be selected if a charge has been made without your authorization. The Discrepancy dispute type should be selected if you authorized the transaction but an error occurred (e.g., a cancelled reservation or damaged goods).

Note: Transactions approved through 3-D Secure cannot be disputed for fraud.

Table of Contents


Web Browser

jump to Mobile steps

1. In the Divvy Navigation Menu, click the Transactions link.

Transactions Link

2. Click the transaction you want to dispute.

Select Transaction

3. Click the Options icon [1] and select the Dispute transaction option [2].

Dispute Transaction

4. To select the Fraud dispute type, click the Fraud button [1]. To select the Discrepancy dispute type, click the Discrepancy button [2]. To learn more about these dispute types, click the Need help deciding? link [3]

Note: The Fraud dispute type is not available for any transactions approved through 3-D Secure.

Select Dispute Type

Fraud Dispute Type

5. If you selected the Fraud dispute type, you must first cancel your card to prevent future fraudulent charges. To cancel the card, click the Cancel Card and Continue button. Learn how to create a virtual card or order a new physical card.

Cancel Card

Discrepancy Dispute Type

6. If you selected the Discrepancy dispute type, select the reason for your discrepancy. You can select cancelled subscription, cancelled purchase, incorrect payment method, damaged item, missing refund, duplicate charge, item never arrived, or overcharged/partial dispute.

Select Discrepancy Type

Complete Dispute

7. To complete the dispute process, complete all the questions in the form.

8. An investigation will then take place regarding your submitted dispute. Please expect up to 90 days for your dispute to be reviewed. A fraud specialist will contact you once a resolution has been made.


Mobile App

  1. In the Divvy Navigation Bar, tap the Transactions icon [1]. If the Transactions icon is not in your Navigation Bar, tap the More icon [2], then tap the Transactions link [3].

    Open Transactions - Mobile

2. Tap the transaction you want to dispute.

Open Transaction

3. Tap the Options icon [1] and select the Dispute transaction option [2].

Dispute Transaction Option

4. To select the Fraud dispute type, tap the Fraud button [1]. To select the Discrepancy dispute type, tap the Discrepancy button [2]. To learn more about these dispute types, tap the Need help deciding? link [3]

Note: The Fraud dispute type is not available for any transactions approved through 3-D Secure.

Select Dispute Type

Fraud Dispute Type

5. If you selected the Fraud dispute type, you must first cancel your card to prevent future fraudulent charges. To cancel the card, tap the Cancel Card and Continue Dispute link [1]. To cancel the dispute, tap the Cancel dispute link [2]. Learn how to create a virtual card or order a new physical card.

Cancel Card

6. If you selected the Discrepancy dispute type, select the reason for your discrepancy. You can select cancelled subscription, cancelled purchase, incorrect payment method, damaged item, missing refund, duplicate charge, item never arrived, or overcharged/partial dispute.

Select Discrepancy Type

Complete Dispute

7. To complete the dispute process, complete all the questions in the form.

8. An investigation will then take place regarding your submitted dispute. Please expect up to 90 days for your dispute to be reviewed. A fraud specialist will contact you once a resolution has been made.


View Disputed Transaction

After a transaction has been disputed, that transaction will immediately display the new Disputed tag under the status section of the Transactions page. This identifies that this is a transaction that you have processed a dispute for.

When a dispute is processed, there is typically communication between Divvy and the merchant to sort out the disputed transaction. This communication will often result in either a single credit back to your account, or a series of credits and debits between Divvy and the merchant as the claim is processed.

Each subsequent credit or debit that is related to the original disputed transaction will appear the Dispute Update tag.

01 – Transactions with Dipsutes Tag Drawer.png

Check Status or Cancel Dispute

To check the status or cancel your dispute, please email us.


If you have additional questions or need help with using Divvy, please view our other Help Center articles or contact the Divvy Support team.

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