If you were billed twice, received something completely different from what was advertised, or never got access to the course you purchased, you might need to file a chargeback for Kajabi. I’ve been there—and filing a chargeback might be your best option when other solutions fail.
In this guide, I’ll walk you through exactly how to file a chargeback for Kajabi purchases, what evidence you’ll need, and how to navigate the entire process from start to finish. Whether you’re a customer seeking a refund or a merchant responding to a dispute, you’ll find actionable advice to help resolve your payment issues.
What is a Chargeback and When Should You Use It?
A chargeback is essentially a forced refund initiated through your bank or credit card company instead of the merchant. It’s a consumer protection measure that allows you to dispute charges that appear on your credit or debit card statement.
But here’s the important part—chargebacks should be your last resort, not your first action when you’re unhappy with a purchase. Before filing a chargeback for a Kajabi purchase, I recommend:
- Contacting the Kajabi merchant directly for a refund
- Checking their refund policy (usually found in their terms of service)
- Documenting all communication attempts
- Trying to resolve the issue amicably
Valid reasons to file a Kajabi chargeback include:
- Unauthorized charges (you never made the purchase)
- Products or services not delivered (you paid but got nothing)
- Misrepresented products (the course or membership was significantly different than advertised)
- Duplicate billing (you were charged multiple times)
- Recurring charges after cancellation (they kept billing you after you canceled)
The Kajabi Chargeback Process: Step-by-Step Guide
Step 1: Gather Your Evidence
Before contacting your bank, I always recommend gathering evidence to support your claim. This makes the process much smoother.
Collect the following:
- Screenshots of your purchase receipt
- Email confirmations
- Course access issues (screenshots showing errors)
- Any communication with the seller
- The seller’s refund policy
- Proof of cancellation (if applicable)
- Your credit card or bank statement showing the charge
Step 2: Contact Your Bank or Credit Card Company
Now you’re ready to file the chargeback. Here’s how:
- Call the number on the back of your credit card
- Tell the representative you want to dispute a charge
- Explain the situation clearly and concisely
- Be prepared to answer questions about your purchase and why you’re disputing it
- Ask about their dispute timeframe and what additional documentation they need
- Follow their instructions for submitting your evidence
Most banks also allow you to file disputes online through their website or mobile app. Look for options like “dispute a charge” or “report a problem with a purchase.”
Step 3: Complete the Formal Dispute Form
Your bank will typically send you a formal dispute form. When filling it out:
- Be specific about dates, amounts, and what happened
- Stick to facts rather than emotions
- Reference the exact reason code that matches your situation
- Include copies (not originals) of your evidence
- Submit everything before the deadline (usually 60-120 days from the transaction)
Step 4: Monitor the Dispute Progress
After filing your Kajabi chargeback:
- Your bank will investigate the claim
- They’ll contact Kajabi and the merchant
- The merchant has a chance to respond with evidence
- The investigation typically takes 30-90 days
- You’ll receive temporary credit while the investigation is ongoing
During this time, check your online banking regularly and respond quickly to any requests for additional information.
Understanding the Kajabi Merchant Response
When you file a chargeback, the Kajabi merchant will receive notification and has the right to fight the dispute. Here’s what typically happens on their end:
- They review the dispute details
- They may reach out to you directly to resolve the issue
- They gather their own evidence to counter your dispute
- They submit a response to their payment processor
If you’re contacted by the merchant during this process, carefully consider any resolution they offer. Settling directly might be faster than waiting for the chargeback process to complete.
Possible Outcomes of Your Kajabi Chargeback
After reviewing all evidence, your bank will make one of these decisions:
- Chargeback approved: You keep the refund and the case is closed in your favor
- Chargeback denied: The charge stands and the money returns to the merchant
- Partial chargeback: You receive a partial refund based on the circumstances
The bank’s decision is usually final, though in some cases you can appeal if you have new evidence.
Tips for Winning Your Kajabi Chargeback Dispute
Having helped many people through this process, I’ve learned these tips increase your chances of success:
- File quickly—most banks have time limits (typically 60-120 days)
- Document everything from the beginning
- Be honest—false claims can result in account closure
- Focus on objective facts that prove your case
- Include screenshots showing exactly what happened
- Quote the merchant’s own policies if they violated them
- Respond promptly to any requests from your bank
For Kajabi Merchants: Responding to Chargebacks
If you’re a Kajabi merchant facing a chargeback, here’s how to respond effectively:
- Don’t take it personally—chargebacks are part of doing business online
- Respond quickly—you usually have limited time to submit evidence
- Provide proof of delivery (access logs, engagement data)
- Include your terms and conditions/refund policy
- Show communication history with the customer
- Submit tracking data if physical products were involved
- Document any previous refund attempts or resolutions offered
The Kajabi dashboard provides a Disputes page where you can track and manage all chargebacks in one place.
Final Thoughts on Filing a Kajabi Chargeback
Filing a chargeback for a Kajabi purchase is sometimes necessary, but I always encourage trying direct resolution first. Chargebacks affect not just your transaction but can impact the merchant’s ability to process payments in the future.
When used appropriately, chargebacks provide valuable consumer protection in the digital marketplace. Just remember to document everything, follow your bank’s procedures carefully, and be prepared for a process that might take a few months to resolve.
Have you ever filed a chargeback for an online course or digital product? Share your experience in the comments below—what worked and what didn’t? Your insights might help someone else facing a similar situation!