Paying for a product or service in advance involves a risk, but you can reduce this by paying with a credit card. If the vendor breaches its agreement with a consumer and the consumer has the right to receive a refund of the payment, compensation for damage or other monetary compensation, the consumer has a similar right to claim for the refund from the credit card company that financed the sale or service as from the vendor.
The consumer can claim for compensation if, for example, the vendor does not deliver the product or the delivery is delayed, or if the vendor is unreachable or goes bankrupt. However, the credit provider is not obliged to pay more to the consumer than is received by the provider in payments from the consumer. Before addressing a complaint to the credit card company, the consumer should try to negotiate with the vendor.
The consumer may also be able to ask for a refund on debit card payments if the consumer's bank's terms and conditions provide for this.