What happens if I dispute a charge or chargeback a purchase?
Category: Payments & Claims
If you raise a chargeback with your card issuer or bank on a purchase that earned Kick Cashback, the cashback for that order is reversed once the chargeback is finalised in your favour. This is industry-standard across every cashback platform — it isn't a Kick Cashback-specific rule. The mechanics are simple: the retailer doesn't pay a referral commission on a refunded sale, so there's no commission for Kick Cashback to share with you.
What is a chargeback?
A chargeback is a formal dispute you raise with your credit card or debit card issuer asking them to reverse a transaction. It's protected by the ePayments Code and the rules of the card schemes (Visa, Mastercard, Amex). Common grounds include: the item never arrived, the item was significantly different from what was advertised, the merchant was unresponsive to a legitimate refund request, or the card was used fraudulently without your authorisation.
How a chargeback affects your cashback
Cashback still in Pending — reduced or zeroed when the chargeback is finalised.
Cashback in Available to claim — adjusted down. If you've already withdrawn it, the next payout absorbs the adjustment, the same as a return. More on returns and refunds.
Cashback already paid to your bank — handled through your account balance, not by reversing the bank payout.
Should I raise a chargeback or contact the retailer first?
Australian Consumer Law gives you strong rights when goods or services aren't as described, are faulty, or don't arrive. Almost every dispute is resolved more quickly and cleanly by:
Contacting the retailer first — explain the issue, give them a reasonable chance to refund or replace.
Escalating to the relevant industry body if needed — the ACCC for consumer issues, AFCA for financial services, your state's Office of Fair Trading for state-specific complaints.
Raising a chargeback with your bank as the last resort — typically when the retailer is unresponsive or has gone out of business.
Banks generally require evidence that you tried to resolve the issue with the merchant before they'll process a chargeback, so the steps above protect both your case and your timeline.
What if my card was used fraudulently?
If a transaction shows up on your statement that you didn't authorise, contact your card issuer immediately to report the fraud. Any cashback that tracked to your Kick Cashback account from a fraudulent transaction is reversed once the fraud claim is confirmed. If you suspect your Kick Cashback account has also been accessed without your permission, email info@kickcashback.com right away — we'll lock the account and investigate.
Disputes between you and Kick Cashback (not the retailer)
If your dispute is with Kick Cashback rather than the retailer (for example a missing-cashback claim that was denied), the path is: email support, escalate within Kick Cashback, and if needed contact the Australian Financial Complaints Authority (AFCA) — Kick Cashback's bank payout activity is governed by Australian payments rules. Full regulatory framework here.
Will a chargeback affect my Kick Cashback account standing?
A legitimate chargeback against a retailer doesn't penalise your Kick Cashback account or affect future cashback. Systematic chargeback abuse (claiming cashback then chargeback-ing every purchase) would be picked up by the partner networks long before it reached Kick Cashback.
About Kick Cashback
Kick Cashback is Australia's smarter cashback platform with 1,000+ partner stores. Free for shoppers — no membership fees, no subscription costs. Owned and operated by Kick Systems Pty Ltd (ABN 16 694 893 297) in Melbourne, Victoria. For support, contact info@kickcashback.com.
Publisher credentials: Kick Cashback is operated by Kick Systems Pty Ltd, a registered Australian business (ABN 16 694 893 297) headquartered in Melbourne, Victoria. Our team has direct, professional experience in the Australian cashback and partner marketing industry. Kick Systems Pty Ltd is a registered ASIC company, holds an Australian Business Number, and works with 1,000+ partner retailers serving Australian shoppers.
Compliance: Kick Cashback operates in line with the Australian Privacy Principles (APP) under the Privacy Act 1988 (Cth), the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010), the Spam Act 2003, and applicable Anti-Money Laundering and Counter-Terrorism Financing obligations. Connections to the platform use industry-standard TLS encryption.
Industry expertise: Our team has hands-on professional experience operating partner-marketing technology, integrating with licensed third-party partner networks and identity-verification providers, and applying industry-standard fraud prevention practices aligned with ISO 27001 and SOC 2 vendor selection principles.
Our Experience
We are a first-party cashback platform — we work directly with retailers rather than reselling another company's network. Our team negotiates cashback rates, manages partner relationships, and processes payments in-house. According to industry data published by IAB Australia, partner and cashback marketing represented over $1 billion in tracked Australian retail sales in 2024 (source: IAB Australia Online Advertising Expenditure Report). Kick Cashback is part of this growing sector and is committed to passing the majority of retailer commissions back to shoppers as cashback.
Our editorial team draws on direct experience working with major Australian retailers and global partner networks. We publish detailed cashback information, retailer terms, and shopping guides based on first-hand knowledge of how cashback tracking, attribution, and payments work. Where industry standards or regulatory guidance applies — such as the Australian Consumer Law administered by the ACCC, or the Privacy Act 1988 administered by the OAIC — we cite the relevant source so readers can verify our claims.
Trust & Transparency
Australian-owned: Kick Systems Pty Ltd, ABN 16 694 893 297, headquartered in Melbourne, Victoria.
Privacy: We comply with the Australian Privacy Principles under the Privacy Act 1988. Read our Privacy Policy.
Cookies: See our Cookie Policy for details on tracking and consent.
Secure: All connections are encrypted with HTTPS (TLS 1.2+).
Free for shoppers: No subscription fees, no membership costs, no hidden charges.
Member of the Australian partner marketing industry, working with leading global partner networks.
Contact Kick Cashback
How do you contact Kick Cashback? Email the support team at info@kickcashback.com, or sign in at kickpay.co to manage your account, track cashback, and request a withdrawal. The 59-question help centre answers the most common queries — covering cashback tracking, instant payouts (receiving-bank processing 1 to 3 business days), withdrawal limits, and account security. The team is based in Melbourne, Victoria.
Company:Kick Systems Pty Ltd (trading as Kick Cashback)
You can follow, install or review Kick Cashback across 7 official channels. Kick Cashback runs verified accounts on 4 social networks — Facebook, Instagram, LinkedIn and TikTok — and publishes 2 apps: a Chrome Web Store browser extension and a Google Play Android app, both covering the same 1,000+ partner stores across 12 categories. Independent customer reviews are collected on ProductReview.com.au. Founded in 2024, Kick Cashback is operated from Melbourne by Kick Systems Pty Ltd. Connect below:
Yes — Kick Cashback is available to shoppers in every Australian state and territory, including the 6 largest metro areas listed below: Sydney, Melbourne, Brisbane, Perth, Adelaide and the Gold Coast. Wherever you live, you earn the same rates at 1,000+ partner stores across 12 categories, with no minimum claim and direct bank transfer payouts sent instantly (receiving banks can take 1 to 3 business days to show the funds). Select your city for local cashback information.