Disclaimer: This content is not intended to be financial advice and is for informational purposes only. We may earn commissions if you buy through our links at no cost to you.


11 Cancel A Chime Transaction Questions! (Quick Answers!)


Isaac Floyd


Last Updated

Chime is a convenient banking service that allows for fast and hassle-free transactions. Canceling transactions is also easy.

This guide will teach you how to cancel a payment you mistakenly sent, or impede a transaction you did not authorize.

How To Cancel A Pending Transaction On Chime:

You can cancel Chime transactions that are still pending. Pending transactions are those payments you already sent but the receiver has yet to retrieve the funds. For completed transactions, you can still apply for a refund from the merchant. If there is a dispute, you need to contact Chime for help. 

To check if the transaction is still pending, open your Chime app and log in to your account. Then, locate and tap on the “View Transactions” tab. 

You will see the word Pending beneath the dollar amount of the said transaction. If there is none, this means that the transaction has been cleared.

A green or black bar also indicates that the transaction is in process.

You can also view pending transactions by accessing the Chime website. Just navigate to the list of all of your transactions and look for the ones with Pending on the far right of the screen. 

Once you have located the pending transaction you wish to cancel, you only need to do several steps to complete the process.

You can cancel it either via the Chime app, the Chime website or through a phone call.

Using The Chime App:

To cancel a pending transaction using your Chime app, you need to do the following:

1.     Open your app and log in to your account.

2.     Locate the pending transaction you want to cancel and tap it. This will bring up a menu that indicates your ability to cancel the payment transfer.

3.     Select the “Cancel Transfer” button.

4.     Tap the button again after a confirmation message appears. 

5.     You will see the transaction labeled as “Canceled.”

In most cases, the funds will immediately be returned to your Chime account.

Using The Chime Website:

If you wish to cancel a pending transaction via the Chime website, do these steps:

1.     Visit the Chime website and log in using your credentials.

2.     Locate the pending transaction you want to cancel and tap it. This will bring up a menu that indicates your ability to cancel the payment transfer.

3.     Select the “Cancel Transfer” button.

4.     Tap the button again after a confirmation message appears. 

5.     You will see the transaction labeled as “Canceled.”

Chime usually processes cancel requests right away, so you will likely see the money in your account right away.

Via The Phone:

Canceling a pending Chime transaction is also possible using your phone. You can contact Chime Member Services at 1-844-244-6363 and explain your request. Once you have verified your identity, they will process the cancellation for you.

How Long Does Chime Take To Refund A Canceled Transaction?

Funds from a canceled pending transaction are usually processed immediately, but for completed transactions, a refund may take several days.

If you requested a cancellation with a merchant and they agree to send you a refund, the money should be available in your Chime account within seven (7) business days.

Chime will also send you a notification of the refund. You can check this in the View Transactions tab of the card you used for the purchase.

If you have not received the refund within the recommended time, you should call Chime at 1-844-244-6363 or send them an email at support@chime.com.

Are There Any Fees For Canceling A Pending Transaction?

No. You will not incur fees for canceling a pending transaction in Chime. You will receive the exact amount you paid during the purchase on your account once your cancellation request has been processed.

How Long Are Transactions Pending On Chime?

Chime pending transactions are usually cleared within one (1) business day. For large amounts or personal checks, it can take up to three (3) business days to clear.

You will receive a notification from Chime once the pending payment is cleared. You will no longer see it under the pending list transactions.

Can You Get A Refund On Chime Once The Transaction Went Through?

Yes. Refunds from completed transactions with in-person or online merchants usually take up to five (5) business days from the time they are issued. This excludes weekends and holidays.

In some cases, refunds can take up to 14 days to be completed.

Once the merchant agrees to a refund and your money is on its way, you will get to check its status via your Chime app.

Chime will also notify you when your money arrives.

If you have not received the refund within the recommended waiting time, you can contact the merchant and inquire about the refund status. 

How To Dispute A Charge On Chime:

It is not unusual for users to cancel transactions done thru Chime. Most of these requests are approved by the merchant. If not, you can file a dispute.

There are three ways to do this – using the app, calling Chime, or sending an email.

To file a dispute via the Chime app, you need to navigate to the “View Transactions” tab, then locate the charge you want to contest. Tap “Problem with this transaction?” and enter the required information.

Once you file the dispute, you can check the status in the Chime app.

You may also call Chime at 1-844-244-6363, especially if the problem is with an automated clearing house (ACH) transfer or Credit Builder transaction.

If you prefer to reach out to Chime via email, you may send a message at support@chime.com. Just make sure to include the amount and date of the transaction and merchant information, including their name and address.

You should also indicate the reason for the dispute. To help Chime speed up the investigation, documentation like screenshots of your conversation with the merchant and photos of defective merchandise.

During the investigation, Chime may file for a chargeback with the merchant, requesting that the funds from the disputed transaction be returned to you.

The merchant may accept or reject the chargeback and provide evidence to counter your claim. They have 30 days to respond to the chargeback request.

Depending on the response of the merchant, the chargeback process may take up to 70 days.

If you are filing a dispute for unauthorized transactions, Chime recommends that you turn off card transactions on your app’s Settings to prevent your card from being used further.

Chime will also automatically disable your international transactions to protect your account. You can easily toggle this back on by going to your Chime app Settings.





About Isaac

Isaac graduated with an MBA in 2014. After graduating he worked in the software industry for 5 years. He started his first online side hustle in early 2018, today he makes a full-time income from his 3 online side hustles. One of the 3 is Humbled MBA.