What is Section 75? How your credit card can protect a purchase
By SendPay Business · · 2 min read
Section 75 of the Consumer Credit Act 1974 makes a UK credit card provider jointly responsible with the seller if something you bought goes wrong. If the seller breaks the contract or misled you, you can claim from the card provider as well as the seller.
What it covers
- Single items or services priced between £100 and £30,000.
- Paid for, at least in part, on a UK credit card. Even paying just the deposit on the card can count.
- Goods that don't arrive, are faulty or aren't as described, and firms that go bust before delivering.
Section 75 vs chargeback
Section 75 is a legal right that applies to credit cards. A chargeback is a card scheme rule that works on debit and credit cards, has no minimum spend, but has time limits and isn't a legal right. If one route fails, the other may still work.
Making a claim
Try the seller first. If that doesn't work, contact your card provider, explain what went wrong, and send your receipts and any messages with the seller. If the provider turns you down, you can take it to the Financial Ombudsman Service.
Where SendPay fits
SendPay platforms let you issue branded Visa cards to your customers and take payments by card through payment links and invoices, under your own brand and powered by licensed partners.
Build it
Create your own financial platform.
Pick a template, name it, brand it, preview every page before you pay. Your brand, your users, your fees.
Build my platform →Questions people ask
What is the Financial Ombudsman Service?
The free service for money complaints.
The Financial Ombudsman →Read next
This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. PayPal, Patreon and Substack are named as reference points only and are not affiliated with SendPay Business.