Chargeback vs. Fund Recovery Services: Which Is Right for Scam Victims?

If you’ve been scammed online, your first thought is probably: “Can I get my money back?” Two common options are chargebacks and fund recovery services—but which one is right for your situation?

At Fast Recover, we specialize in helping scam victims choose the best recovery path. This post breaks down the differences, pros, and cons of each option to help you make an informed decision.

What Is a Chargeback?

A chargeback is a way to dispute a transaction and request your money back through your bank or credit card provider. It’s a legal mechanism designed to protect consumers from fraud or unauthorized payments.

Best for:

• Credit/debit card payments
• Recognizable merchants
• Quick response after the transaction

Pros:
✅ Direct through your bank
✅ Often free to file
✅ Relatively fast (1–3 months)

Cons:
❌ Time-sensitive (usually 60–120 days limit)
❌ Not available for crypto or wire transfers
❌ Can be rejected without proper evidence

What Is a Fund Recovery Service?

A fund recovery service is a specialized company (like Fast Recover) that investigates your case, builds a claim, and fights on your behalf to recover stolen or scammed funds.

Best for:

• Crypto scams
• Forex/Binary options fraud
• Complex cross-border scams
• Failed chargebacks

Pros:
✅ Works even after chargeback windows close
✅ Handles difficult or international cases
✅ Legal and investigation support

Cons:
❌ Usually comes with a service fee
❌ Requires patience — recovery can take time
❌ Must choose a reputable company to avoid recovery scams

So, Which One Should You Choose?

Final Thoughts
Both options can be useful, but it depends on how and when you were scammed. If your situation is complex, involves crypto, or you missed the chargeback window—Fast Recover can help.

Contact us today for a free case assessment. Your money may not be gone forever.