Shopify Protect in the UK: what UK merchants can use instead

You searched "Shopify Protect UK" because someone told you Shopify covers you when a fraud chargeback lands. Then you found a US-only page. Before you build a business plan on cover you may not have, it is worth knowing exactly where you stand.

Shopify Protect is not available to UK stores, according to Shopify's UK blog. It is for eligible US stores on Shop Pay orders. UK merchants still have real protection, but it comes from different places: 3D Secure for fraud, strong delivery proof, clear policies and a good response. This guide sets out what Shopify Protect is, what UK stores can use instead, and how to build a layered defence with worked sums and a 30-day plan.

Last updated: 9 October 2026. Written by the ChargeFix team.

The 30-second answer (TL;DR)

• Shopify Protect UK does not exist as a cover for UK stores. Shopify Protect is for eligible US stores on Shop Pay orders, so UK merchants should not count on it. Check Shopify's current announcements, because this can change.
• Shopify's help centre says Shopify is not liable for chargebacks. You respond with evidence, and the card company decides.
• Successful 3D Secure shifts liability for fraudulent chargebacks only. It is built into UK and EU Shopify Payments and used when the issuing bank requires it. It does not help with item not received or not as described.
• A Visa rule about a monthly fraud threshold can remove the liability shift, according to Shopify's help centre. Check how it applies with your processor.
• Without Shopify Protect, the biggest wins for most UK stores come from delivery proof, clear policies and fast, ordered evidence, because most disputes are not fraud.
• PayPal Seller Protection covers eligible PayPal transactions even if you lose a chargeback, but friends and family payments are excluded.
• General information, not legal or financial advice. We did not review the full Shopify Protect terms, which are not available to UK stores, and the post says so where it matters.

From dispute to decision

Question	Short answer for a UK store	Where to look
Does Shopify Protect cover my UK store?	No. It is for eligible US stores on Shop Pay orders	Shopify's UK blog and your admin
Who pays if I lose a chargeback?	You do, as Shopify is not liable	Shopify's help centre
Does 3D Secure help?	For fraud chargebacks, if it succeeded	Shopify's 3D Secure help page
What about item not received?	Delivery proof and policies decide	Our delivery guides
Can I buy cover elsewhere?	Third-party services exist; terms vary	Our protection vs response tool post
What should I do first?	Build the layers you control	The plan in this post

What is Shopify Protect, and does it cover UK stores?

Shopify Protect is a scheme for eligible US stores on Shop Pay orders. According to Shopify's UK blog, it does not cover UK stores. We did not review the full terms, because they apply to US stores. UK merchants should treat it as unavailable and plan their own defences.

This is the single most important fact about Shopify Protect UK, so here it is without hedging: do not tell your team, your investors or your customers that Shopify Protect covers your UK store. If a salesperson, a forum post or an old article says it does, ask for the date and the source, then check Shopify's UK pages.

Why does the confusion about Shopify Protect exist? Three reasons:

1. Shopify is a global brand with a US-first product pipeline, and US announcements spread worldwide.
2. The name suggests general protection, when the scheme has conditions. Eligibility depends on the store's location and the payment method, among other things.
3. Other products have similar names. Merchants mix up Shopify Protect, PayPal Seller Protection, Shopify's own fraud tools and third-party protection services.

Here is how they differ:

Scheme	Who offers it	Applies to UK stores?	What it covers
Shopify Protect	Shopify	No, per Shopify's UK blog	Eligible US stores on Shop Pay orders
3D Secure liability shift	Card networks via your processor	Yes, with Shopify Payments	Fraudulent chargebacks only, if authentication succeeded
PayPal Seller Protection	PayPal	Yes, on eligible transactions	Claims and chargebacks on eligible PayPal payments
Third-party protection	Various providers	Depends on the provider	Terms vary

For the card side of how disputes work, read our Shopify chargebacks UK guide. Shopify's help centre explains that Shopify is not liable for chargebacks and that you respond with evidence. That is the baseline for a UK store.

If Shopify extends Shopify Protect to the UK later, the announcement will appear on Shopify's own pages. We wrote this post on 9 October 2026 and cannot know what changes afterwards. Until you see it on a Shopify page or in your own admin, assume no cover.

What does Shopify's help centre say about liability for chargebacks?

Shopify's help centre says Shopify is not liable for chargebacks. You respond to a chargeback with evidence, and the card company reviews it. If you win, you keep the sale. If you lose, the amount stays with the buyer and you pay the fee. That is the position for UK stores.

The process, in the words we can safely report from Shopify's help centre, runs like this:

• The response window is 7 to 21 days. Read the actual due date on the dispute.
• You respond on the order's chargeback response form. After the due date nothing can be added and the result is final.
• If nothing is submitted, Shopify's tools prepare a response on the due date.
• The card company's review can take up to 75 days after submission.
• An inquiry runs 65 to 75 days, with no funds debited, and can escalate to a chargeback with the fee.
• Winning does not remove a dispute from the chargeback rate.

We did not verify the time of day or time zone of the due date, or how weekends and bank holidays are treated, so submit early.

The UK fee is £10, charged by your bank and returned if you win, according to Shopify's help centre. Other countries have other fees. That fee is the visible cost. The less visible cost is the order itself, and the goods that will not come back.

For more on the fee, see the Shopify chargeback fee in the UK.

What does 3D Secure protect UK merchants from?

Successful 3D Secure shifts liability for fraudulent chargebacks only, according to Shopify's help centre. UK and EU Shopify Payments has 3D Secure built in, used when the issuing bank requires it. It helps with fraud claims. It does not help with item not received, not as described or refund disputes.

That "only" matters. The most common disputes on small UK stores are delivery and service complaints, not fraud. 3D Secure does nothing for those.

Dispute reason	Does 3D Secure help?	What decides it
Fraudulent or unrecognised payment	Yes, if authentication succeeded and the liability shift applies	The shift, plus your order evidence
Item not received	No	Delivery proof and policies
Not as described	No	Listing, photos, messages
Refund not received	No	Refund record and return scan
Subscription cancelled	No	Timeline and terms
Duplicate charge	No	Order records

Shopify also quotes a Visa rule about a fraud threshold ($7,500 a month) that can lose the liability shift. We did not verify how that rule applies to UK merchants or how any processor treats it, so check with your processor. For a small store, the threshold is rarely the main concern, but it explains why a shift is not an absolute guarantee.

There is also the question of when 3D Secure is used. UK and EU Shopify Payments uses it when the issuing bank requires it. You do not choose per order. We did not review any setting that lets a merchant force it, so do not promise your team you can.

One merchant on the Shopify Community lost a £1,747.25 dispute despite 3D Secure, a signature and tracking. That is a single anecdote, and we do not know the reason or the facts. It shows that no single layer is a guarantee, which is the reason to build several.

Shopify Protect UK: myths and what is true

Most of the confusion about Shopify Protect UK comes from five repeated claims. Check each against Shopify's own pages before you repeat it to your team or customers. If a claim has no date and no source, treat it as unverified.

Claim you may hear	What is true, as far as our sources go
"Shopify Protect covers all Shopify stores"	Shopify's UK blog says it is for eligible US stores on Shop Pay orders
"Shopify pays if I lose a chargeback"	Shopify's help centre says Shopify is not liable for chargebacks
"3D Secure means I cannot lose a chargeback"	It shifts liability for fraudulent chargebacks only, and a Visa threshold rule can remove the shift
"A signature means I always win"	Strong proof helps, but one merchant lost £1,747.25 despite 3D Secure, a signature and tracking
"If I win, it does not count against me"	Winning does not remove a dispute from the chargeback rate

Notice the pattern. Each claim sounds like blanket protection, and each one has a condition. Your job is to know the condition. Shopify Protect UK, as a phrase, describes something that does not exist for UK stores today, so any article that treats it as live is either out of date or about a different country.

When you read a protection claim, ask three questions. Who offers it? Which stores and payment methods does it apply to? What does it exclude? If the page cannot answer all three, do not build a plan on it.

What does Shop Pay have to do with Shopify Protect UK?

Shopify Protect applies to Shop Pay orders from eligible US stores. Shop Pay is Shopify's accelerated checkout. That link is why UK merchants searching for Shopify Protect UK find pages about Shop Pay. We did not review how disputes on Shop Pay orders work for UK stores, so check your own admin and Shopify's help pages.

If you offer Shop Pay on your UK store, do not assume its orders carry extra cover. The only protection we can confirm for UK card orders on Shopify Payments is the 3D Secure liability shift for fraudulent chargebacks, and that depends on authentication succeeding. For Shop Pay specifics, see our post on Shop Pay chargebacks.

Treat Shop Pay orders like any other for evidence: save the order record, the delivery proof and the messages, and respond before the due date.

What does a fraud chargeback look like, and how do you respond?

A fraud chargeback says the card holder did not make or authorise the payment. The reviewer looks at whether the payment was authenticated, whether the delivery address matches, whether the buyer behaves like a genuine customer and whether the goods were delivered to the card holder. Your response should show those facts, in order.

Fraud chargebacks are where 3D Secure matters most. If authentication succeeded and the liability shift applies, say so first. If it was not used, the rest of your evidence has to carry the case.

Evidence	What it shows	Where to find it
3D Secure authentication result	The issuing bank verified the card holder	Payment details on the order
Address match	Billing and delivery addresses are consistent	Order record
Delivery proof	Signature or photo at the address	Carrier proof of delivery
Order history	A returning buyer with earlier undisputed orders	Customer record
IP and device details	Consistent location with the buyer	Order record, where available
Messages	A real conversation with the buyer	Email thread

Shopify Payments auto-fills order, addresses, tracking, IP, refund records, order history and previous disputes on the response form, according to Shopify's help centre. Check what is missing and add it.

Use this checklist when a fraud chargeback arrives:

• Note the due date and set two reminders
• Check whether 3D Secure was used and whether it succeeded
• Compare billing and delivery addresses
• Pull the delivery proof, strongest first
• Look for earlier orders from the same buyer or address
• Gather any messages with the buyer
• Write a short factual summary and avoid accusing anyone
• Submit two days before the due date and screenshot the confirmation

Never accuse the card holder of lying. State what the records show and let the reviewer decide. If you realise the order was fraudulent and you shipped to the fraudster, accept the dispute, note the lesson in your log and tighten your checks. Fighting a case you know is lost wastes time.

How should you decide if Shopify Protect ever reaches the UK?

Read the terms before you rely on it. Check who is eligible, which payment methods and order types are covered, what is excluded, how claims are made, whether there is a fee and how it interacts with your own evidence process. Announce nothing to customers until a Shopify page confirms it applies to your store.

If Shopify Protect UK launches, you will want a clear framework for deciding what it changes. Use these questions:

• Does the announcement say UK stores are eligible, and from what date?
• Which payment methods are covered? Cards, Shop Pay, PayPal, Klarna, Clearpay?
• Which dispute reasons are covered? Fraud only, or others?
• What orders are excluded, such as digital goods or high-risk categories?
• Is there a fee, and how is it charged?
• What must you do to qualify, for example shipping rules or delivery proof?
• What happens to disputes outside the scheme?
• Can you still respond to a chargeback yourself?

Even if it launches, a platform scheme will not replace delivery proof, policies and a response routine. It will cover some disputes, not all. Keep your layers.

What can UK stores use instead of Shopify Protect, and which fraud chargebacks does it matter for?

Without Shopify Protect, UK stores can layer 3D Secure for fraud, signature or photo delivery for item not received, clear policies for expectation disputes, fast refunds for service complaints and an ordered evidence pack for whatever gets through. Optional paid protection can sit on top. No single layer covers everything.

Think of five layers to replace what Shopify Protect would have given you. Each one removes a class of dispute.

Layer	What it handles	Who provides it
1. Prevention	Confusion and complaints before they become disputes	You
2. Authentication	Fraudulent payments	Card networks via Shopify Payments (3D Secure)
3. Delivery proof	Item not received	You and your carrier
4. Policies	Not as described, returns, refund timing	You
5. Response	Anything that still arrives	You, or a response tool
Optional: paid protection	Reimbursement of covered orders	Third-party providers

Layer 1 is the cheapest. A tracking email, a clear delivery estimate and a friendly reply to "where is my order" stop a large share of disputes before they start. Our shipping and delivery policy template and terms and conditions template give you the wording.

Layer 3 depends on carriers. Royal Mail captures a photo on delivery for Tracked 24 and Tracked 48 where no signature is needed. Evri offers a Digital Signature add-on with photographic proof, at 60p when we checked, and the price may change. We have not verified DPD's proof options. Our guide to proof of delivery for Shopify chargebacks covers what each kind of proof shows.

Layer 5 is where most merchants lose cases they could have won: they send too much, too late, in the wrong order. Our chargeback SOP for small teams gives a routine for it.

If you take PayPal, you have another layer. PayPal Seller Protection covers eligible transactions even if you lose a chargeback, according to PayPal's UK help page, and friends and family payments are excluded. See PayPal dispute vs chargeback. If you take Klarna or Clearpay, their dispute routes differ, so read Klarna disputes on Shopify UK and Clearpay disputes for merchants.

Should you pay for chargeback protection, or rely on PayPal Seller Protection instead?

Maybe, if fraud is a real share of your disputes or your orders are large. For most small UK stores, a response process and strong delivery proof come first. Paid protection varies by provider, and we did not review any provider's terms, so ask each one what is covered and what is excluded.

The break-even is simple. Divide the annual fee by your average order value to find the number of covered disputes you need. If you have fewer disputes than that, the fee costs more than the losses it covers. Count honest orders the service declines too.

We cover the questions to ask, the contract points and the sums in chargeback protection vs a response tool. If you only read one more post, read that one.

How do you check fraud risk on an order before you ship?

Look at the order for signals that do not fit: a billing and shipping address mismatch, a rush on high-value items, a first-time buyer ordering several of the same item, a free email address with a business-sounding name and delivery to a freight forwarder. None is proof. Together they justify a quick check.

We did not review the current fraud features inside Shopify's admin, so check what your own admin shows for each order. What we can say is how to build a simple manual review for the orders that matter.

Use this checklist for orders over your high-value threshold:

• Does the billing address match the shipping address, or is there a reason it does not?
• Is the shipping address a house, flat or business, not a freight forwarder or a collection point you do not recognise?
• Was 3D Secure used on the payment?
• Is the order unusual for this buyer, such as several of the same high-value item?
• Is the buyer asking you to ship fast, change the address or use a different carrier?
• Does the email address look consistent with the name?
• Has this buyer or address appeared in a previous dispute?
• If any answer worries you, have you contacted the buyer to confirm?

Contact is the best test. A genuine buyer answers a short, friendly email in a day. Use wording like this and do not accuse:

Hi [FIRST NAME],

Thanks for your order [ORDER NUMBER]. Because it is a higher-value order, we do a quick check before dispatch.

Could you confirm the delivery address [ADDRESS] and that you placed the order today? If you would like us to send it to a different address, please reply and tell us why.

We will send it as soon as we hear from you.

[YOUR NAME]
[STORE NAME]

Do not accuse a customer of fraud. A fraud chargeback is a claim by the card holder that they did not make the payment. The person ordering may be an honest buyer using a card with a different name, or the genuine holder's relative. Ask, listen and decide.

Keep a record of the check and the reply. If the order later becomes a dispute, the message thread is evidence that you took care.

Which delivery option should you use for high-value orders?

Use a service that records a signature or a photo. Delivered scans alone are medium proof, and untracked parcels give you only proof of postage. For orders over a threshold you choose, the extra cost is small compared with a lost dispute.

Service level	What the carrier can show	Best for
Tracked, no signature, no photo	Delivered scan only	Low-value orders
Tracked with photo on delivery	Photo of the parcel at the address	Mid-value orders
Signature on delivery	Name or mark of the person who accepted	High-value orders
Digital signature add-on	Photo plus a recorded signature or confirmation	High-value orders
Untracked	Proof of postage only	Cheap goods you would refund anyway

Match the service to the value inside the parcel. If you ship an order in several parcels, the high-value item should be on the strongest service. Our post on split and partial shipment disputes explains how to keep proof per parcel.

Remember that a signature stops "I never received it" but does not stop "it was not what I ordered" or fraud. Use layers.

Is a stronger shipping service worth it? Two worked examples

Run the sums with your own numbers. The first example shows what a successful 3D Secure shift is worth on a fraud claim. The second shows when a signature add-on pays for itself.

Both examples are illustrations with invented numbers. The arithmetic is checked.

Example 1: what a liability shift is worth. A buyer places a £220.00 order and the card holder later says they never made it. The goods cost you £90.00. We assume Shopify's UK fee for card chargebacks is £10, charged by the bank and returned if you win.

Case	Revenue kept	Goods cost lost	Fee	Net result
3D Secure succeeded, liability shifts, you keep the sale	£220.00	£90.00	£0.00	£220.00 − £90.00 = £130.00
No shift, fraud claim lost	£0.00	£90.00	£10.00	£0.00 − £90.00 − £10.00 = minus £100.00

The swing is £130.00 against minus £100.00, which is £230.00. That is the value of a successful shift on one order, which explains why fraud is the dispute type where 3D Secure matters. For item not received or not as described, the shift does nothing, so the same £220.00 order could still be lost.

Example 2: when a signature add-on pays for itself. A store ships 120 orders a year over £150.00. A signature or photo add-on costs 60p an order (the Evri figure we saw, which may change). That is 120 × £0.60 = £72.00 a year. If the add-on turns one lost item not received dispute on a £180.00 order into a win, the store keeps £180.00 and avoids the £10.00 fee, so £190.00.

Item	Calculation	Amount
Add-on cost	120 × £0.60	£72.00
One dispute saved	£180.00 + £10.00	£190.00
Disputes needed to break even	£72.00 ÷ £190.00	0.38

The add-on pays for itself if it saves about one dispute every two and a half years (1 ÷ 0.38 is about 2.6). The rates are invented, and nothing here predicts an outcome. The point is that for high-value orders, a signature costs little against a single lost case.

Situation	Suggested move	Reason
Fraud claim, 3D Secure succeeded	Fight, citing the authentication	Liability may shift
Item not received, signature on file	Fight	Strong, specific proof
Item not received, delivered scan only, over £100	Fight, add messages and policy	Medium proof
No delivery event	Refund or reship	You cannot prove arrival
Small order, thin proof	Refund early	Your time costs more

Day-by-day plan: build your own protection in 30 days

You cannot buy Shopify Protect UK cover, but you can build your own layers in a month. The plan below takes an hour or two a day for the first week, then runs on the log and a monthly review.

Day	Task	Output
Day 1	Export 12 months of disputes with reason, value and outcome	A data file
Day 2	Count by reason. Mark which were fraud and which were service or delivery	A reason table
Day 3	Check your payment settings and ask your processor how 3D Secure applies to your account	A written answer
Day 4	Choose your high-value threshold for signature or photo delivery	A policy rule
Day 5	Book the right carrier services and test a parcel to yourself	A proof sample
Day 6	Update your delivery and returns pages with dates	Live pages and dated copies
Day 7	Write your fraud check email and checklist	A one-page procedure
Days 8 to 14	Apply the checklist to every high-value order	A review log
Day 15	Review: how many orders did you check, and how many looked wrong?	A review note
Days 16 to 29	Run the dispute routine from the SOP	Submissions on time
Day 30	Count disputes by reason again and compare with day 2	A before and after table

At day 30, decide whether paid protection is worth testing as a stand-in for Shopify Protect. Use the break-even from our protection post, not the sales pitch.

What should you tell customers about protection?

Tell them what you actually do, not what you hope covers you. Do not say "protected by Shopify" unless a Shopify page says it applies to your store. Say what is true: tracked delivery, a clear returns policy and a human who answers email.

Customer-facing claims about Shopify Protect or any other protection can backfire. If a buyer reads "your order is protected" and a dispute arises, they may assume you guaranteed something you did not. Keep the wording factual.

Safe statements include:

• "Your order is sent with tracked delivery and you will receive a tracking link."
• "Orders over £150 are sent with a signature or photo on delivery."
• "If anything is wrong, email us within 14 days and we will help."

Avoid statements such as "fully insured against loss" unless you hold a policy that says so, and never mention Shopify Protect unless a Shopify page says it applies to your store.

What's different for UK merchants

This section is general information, not legal or financial advice.

• Shopify Protect: according to Shopify's UK blog, it is for eligible US stores on Shop Pay orders and does not cover UK stores.
• Liability: Shopify's help centre says Shopify is not liable for chargebacks.
• Fees: Shopify's UK fee for card chargebacks is £10, charged by your bank and returned if you win. PayPal's user agreement, as quoted in ombudsman decisions we read, allowed a £12 dispute fee.
• 3D Secure: UK and EU Shopify Payments has it built in, used when the issuing bank requires it. It shifts liability for fraudulent chargebacks only.
• Time limits: MoneyHelper describes chargeback as a voluntary card-scheme arrangement, usually claimed within 120 days. UK Finance gives the same period, counted from the transaction or the expected delivery.
• Section 75: for credit card purchases between £100 and £30,000, the card company is jointly liable with the merchant. UK Finance says the time limit is six years.
• Consumer rights: the Consumer Contracts Regulations 2013 give most distance buyers a 14-day cancellation right.
• Visa fraud threshold: Visa's merchant VAMP threshold is 1.5% from 1 April 2026, according to the Merchant Risk Council, and the ratio is fraud reports plus disputes over settled card-not-present transactions. Check with your processor.
• Weekends and bank holidays: we did not verify how they affect due dates. Respond early.

Common mistakes

1. Assuming Shopify Protect UK cover exists because an old article or a US announcement said so.
2. Telling customers their order is "protected" when no scheme applies.
3. Treating 3D Secure as cover for every dispute, when it shifts liability for fraud only.
4. Ignoring item not received and not as described disputes because the fraud tools look fine.
5. Using a cheap untracked service on a high-value parcel.
6. Missing the due date and letting Shopify's tools prepare a response on your behalf.
7. Buying a Shopify Protect substitute without counting your own disputes by reason.
8. Forgetting that a won dispute still counts in your chargeback rate.

FAQ

Does Shopify Protect cover UK stores?

No. According to Shopify's UK blog, Shopify Protect is for eligible US stores on Shop Pay orders and does not cover UK stores. UK merchants should plan their own defences and check Shopify's pages in case this changes. Do not tell customers or colleagues you are covered.

What is Shopify Protect and who is eligible?

Shopify Protect is a scheme for eligible US stores on Shop Pay orders. We did not review its full terms, because it does not apply to UK stores. If you need the details, read Shopify's own pages for US merchants, and treat anything you read as not applicable to a UK shop.

Who pays if I lose a chargeback on Shopify in the UK?

You do. Shopify's help centre says Shopify is not liable for chargebacks. You respond with evidence and the card company decides. If you lose, the amount stays with the buyer and you pay the fee, which is £10 in the UK and returned if you win.

Does 3D Secure protect me from chargebacks?

Only from fraudulent ones. Successful 3D Secure shifts liability for fraudulent chargebacks, according to Shopify's help centre. It does not cover item not received, not as described, refund or subscription disputes. UK and EU Shopify Payments has it built in and uses it when the issuing bank requires it.

What is the alternative to Shopify Protect UK stores can use?

Several, none of which is a single product. Use 3D Secure for fraud, signature or photo delivery for item not received, clear policies for expectation disputes, fast refunds for service complaints and an ordered response for the rest. Third-party protection services exist, with terms that vary, so ask each what is covered.

Does PayPal Seller Protection work in the UK?

PayPal's UK help page says Seller Protection covers eligible transactions even if you lose a chargeback, and one criterion is a UK primary residence on the account. Friends and family payments are excluded. Read PayPal's current terms before relying on it, because conditions apply.

Will Shopify Protect UK ever launch?

We do not know. Shopify's UK blog said it is for eligible US stores, and we cannot predict future changes. Watch Shopify's official announcements and your admin. Until a Shopify page confirms cover for your store, assume none and keep your own layers.

How can I reduce fraud chargebacks without Shopify Protect?

Use 3D Secure, check higher-value orders for mismatches, contact buyers when something looks odd, ship high-value orders with a signature or photo, and keep a clean evidence file. Do not accuse anyone. Many unusual orders are honest, and a short friendly email resolves most of them.

Do chargebacks count against me even if I win?

Yes. Shopify's help centre states that winning does not remove a dispute from the chargeback rate. That is why prevention matters as well as winning cases, and why you should log every dispute, including the ones you win, whatever protection scheme you rely on.

Should I buy chargeback insurance instead?

Not automatically. Insurance and protection services vary, and we did not review any provider's terms. Run the break-even on your own numbers, count the honest orders a service might decline and ask what is excluded. Our protection post sets out the questions to ask.

Start free trial

ChargeFix helps Shopify merchants turn order and delivery evidence into a clear response, so your time goes to the order, not the paperwork. Start free trial and build your own layers while Shopify Protect UK remains unavailable.

Sources

• Shopify Help Center: Chargebacks and inquiries
• PayPal UK: Understanding disputes
• UK Finance: Chargeback and Section 75
• legislation.gov.uk: Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, explanatory note