When transaction errors occur, Varo will pursue every option available through our dispute process, no matter the account status.
There are two different categories of disputes:
- Unauthorized or fraudulent transactions(1): happens if your card was lost, stolen, or if someone obtained access to your payment information.
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Errors with valid transactions: happens if you gave permission for, or recognize the transaction, but a merchant error occurred. Examples include charges for:
- A different amount than expected
- A cancelled subscription or scheduled payment
- A charge that posted more than once
If you made a purchase for goods or services using your Varo Debit Card, or with your Varo Bank Account, and you experience issues with the quality, or didn’t receive anything, you’ll need to contact the merchant directly for a resolution. Varo is not responsible for quality, safety, legality, or any other aspect of any goods or services purchased using a Varo Bank Account(2).
If a transaction(s) posts to your Varo account that you’d like to dispute, Contact Us.
(1)To prevent additional fraudulent charges, we'll cancel any affected card(s) and send you a new one. You can always protect your card by freezing it in the app.
(2)To review our terms and disclosures, please revisit the Varo Bank Account Agreement, which can be found on our Privacy and Legal web page here: https://www.varomoney.com/privacy-legal/.