“you agree that you will only exercise this chargeback right if: (a) We have breached this Agreement; or (b) There was an unauthorized use of your Pay-in Method, meaning that you did not execute or authorize the payment.”
This analysis describes what Wise's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
By contractually limiting chargeback use to two specific conditions, Wise restricts customers from pursuing chargebacks for reasons outside those two circumstances.
Customers are contractually prohibited from exercising a chargeback except where Wise has breached the Agreement or where the payment was made without the customer's execution or authorization.
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"you agree that you will only exercise this chargeback right if: (a) We have breached this Agreement; or (b) There was an unauthorized use of your Pay-in Method, meaning that you did not execute or authorize the payment.Excerpt from Wise's US Customer Agreement
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By contractually limiting chargeback use to two specific conditions, Wise restricts customers from pursuing chargebacks for reasons outside those two circumstances.
Customers are contractually prohibited from exercising a chargeback except where Wise has breached the Agreement or where the payment was made without the customer's execution or authorization.
ConductAtlas has identified this type of provision across 172 platforms. See the full comparison.
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