The product itself is restricted
Most major regulators have banned the retail sale of binary options. That regulatory position lends weight to dispute filings.
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Binary options claims, prepared the way card schemes actually need them
Binary options sit in a strange place: the platforms are banned or restricted in most regulated markets, yet many still take card and bank deposits. That regulatory tension is, paradoxically, what makes them the most chargeback-friendly category we work.
- Card-funded deposits within the chargeback window
- EUR / GBP / USD bank-wire deposits within recall windows
- Evidence dossier prepared to issuing-bank dispute desk standard
Why this category recovers well
The structural reasons binary options claims work
The deposit chain is short
Funds usually go from your card or bank, to an acquirer, to the operator. Few intermediate hops mean clear, fast tracing.
"Service not as described" applies cleanly
Binary platforms heavily marketed as "investment tools" or "trading" can be challenged under the same reason code on consumer protection grounds.
Method
The binary options dossier
Banks reject most chargeback filings not because the underlying claim is weak, but because the filing is weak. We build the dossier to the reason-code criteria the dispute desk actually uses.
- Itemised list of every deposit transaction, dated and tied to its merchant descriptor.
- Account screenshots evidencing the "investment" framing of the product.
- Communications evidencing pressure tactics, "managed account" claims or fabricated trade history.
- Regulator position statements where the binary product is restricted in your jurisdiction.
- Drafted dispute letter referencing the correct reason code and supporting subsection.
Timing matters
What the chargeback clock looks like
0–120 days
Highest-probability window. Most issuing banks treat the filing as routine when the dossier is competent.
120–540 days
Recovery still realistic under "services not provided as described" reason codes for ongoing service relationships.
540 days+
Card-scheme route closing. We shift to acquirer dialogue, regulator notification, and civil instruments if commercial.
3 years+
Rarely commercial for routine sums. We are honest about that at intake and may decline the file.
Binary options claims live and die on the timing.
Get the dossier in front of your issuing bank before the chargeback window closes. That single sentence is the entire job.