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How do I dispute a Smartcard charge?

looch lets you dispute an eligible Smartcard charge from its notes, add an optional file, and write an explanation of 25 to 1,000 characters.

Written by Chelsea

A Smartcard is a virtual Visa card that works everywhere Visa is accepted. looch lets you dispute an eligible Smartcard charge from 'Notes & bill pay details' and submit an explanation of 25 to 1,000 characters. looch accepts one optional PDF, JPEG, or PNG file up to 5 MB and then tells you to look out for emails detailing the next steps.

Last verified: September 30th, 2026.

You can file the dispute from the charge

  1. From the nav bar, go to Cash, then Activity.

  2. Tap the Smartcard charge to open 'Spent money'.

  3. Tap 'Notes & bill pay details'.

  4. Tap 'Dispute'.

  5. Tap 'I’m disputing this charge'.

  6. Choose how you used the Smartcard, such as 'I provided my Smartcard info'.

  7. Choose 'I purchased a service' or 'I purchased merchandise' when asked.

  8. Choose your reason, such as 'I never received the merchandise'.

  9. Check the amount on 'Dispute amount'.

  10. Tap 'Next'.

  11. Complete the screens for your reason, such as 'Expected merchandise' and 'Expected date'.

  12. Enter 25 to 1,000 characters on 'Explanation'.

  13. Tap 'Next'.

  14. Tap 'Add attachment' on 'Additional documentation' to add an optional PDF, JPEG, or PNG up to 5 MB.

  15. Tap 'Dispute charge'.

  16. Review 'Charge disputed' or use 'Add merchant to blacklist' on 'Block merchant'.

The 'Activity' screen in the looch app shows the $342.18 Larch Filing Supply charge for Launchpad Technologies LLC.
The 'Spent money' screen in the looch app shows the $342.18 charge, account, details, category, and tracking tag.
The 'Notes' screen in the looch app shows the charge notes and the 'Dispute' button.
The 'Larch Filing Supply' screen in the looch app asks how the Smartcard was used.
The 'Larch Filing Supply' screen in the looch app lists the merchandise dispute reasons.
The 'Dispute amount' screen in the looch app shows $342.18, 'Amount charged: $342.18', and 'Next'.
The 'Explanation' screen in the looch app shows entered text, the character counter, and 'Next'.
The 'Additional documentation' screen in the looch app shows file limits, 'Add attachment', and 'Dispute charge'.
The 'Block merchant' sheet in the looch app offers the blacklist option after the dispute is filed.

The dispute flow follows how the Smartcard was used

looch asks 'I provided my Smartcard info' or 'I didn’t provide my Smartcard info' for online or typed-in charges. looch asks whether you purchased a service, purchased merchandise, or don’t recognize the purchase when the Smartcard was present.

  • 'Dispute' appears only when the charge can be disputed and hasn’t already been disputed.

  • The disputed amount can’t exceed the amount charged.

  • The explanation must contain 25 to 1,000 characters.

  • One optional PDF, JPEG, or PNG file can be up to 5 MB.

  • The app says to look out for emails detailing the next steps.

These Smartcard dispute details may help

Why don’t I see 'Dispute' on a Smartcard charge?

looch shows 'Dispute' only when the Smartcard charge can be disputed and no dispute has been raised on it yet.

Can I dispute only part of a Smartcard charge?

looch lets you change the amount on 'Dispute amount'. The disputed amount can’t exceed the amount charged.

What files can I add to a Smartcard dispute?

looch accepts one optional PDF, JPEG, or PNG file up to 5 MB.

How long can my dispute explanation be?

looch requires an explanation of 25 to 1,000 characters.

Can I stop a merchant from charging my Smartcard again?

looch may show 'Block merchant' after you file. When offered, 'Add merchant to blacklist' blocks future charges from that merchant on the Smartcard.

looch support is available in the app

Sign in, tap the help button at the top right of the dashboard, then 'Messages'.

About looch

Get the most out of looch, the financial operating system for your business. looch is a mobile app available on the App Store and Google Play.

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