If you keep getting charged by a company you don’t recognize—or one you do, but no longer trust—you’re not alone. Whether it’s a subscription you forgot about, an accidental charge, or flat-out fraud, Chime gives you a few tools to shut it down.
Here’s how to block a merchant on Chime in just three steps, even if the charge has already gone through.
Step 1: Pause Your Chime Card Immediately
If you spot a charge you didn’t authorize or want to stop any more from going through, your first move should be to pause your Chime card. This stops new purchases instantly.
To do this:
- Open your Chime app
- Go to Settings
- Toggle the switch next to “Card Status” to pause your card
Once your card is paused, no more charges can be made. This includes the merchant you’re trying to block, as well as any others who might try to process a transaction.
Pausing your card doesn’t cancel the card permanently. You can unpause it anytime.
Step 2: Dispute the Unauthorized Charge
If the merchant already charged you and you didn’t approve it, file a dispute directly in the Chime app.
Here’s how:
- Find the transaction in your Activity feed
- Tap the charge
- Select “Something’s wrong”
- Follow the steps to submit a dispute
Chime will usually ask a few basic questions: Did you recognize the charge? Have you contacted the merchant? Be honest in your answers—don’t try to game the system. If the charge is legitimate but you just don’t want future charges, skip to Step 3.
Step 3: Contact Chime Support to Block the Merchant
There’s no official “block” button for specific merchants in the Chime app. But you can still ask Chime’s support team to help.
Here’s how to reach them:
- Use Chat in the Chime app (open 24/7)
- Call Chime at 1-844-244-6363
- Email [email protected]
Tell them the name of the merchant and why you want to stop future transactions. In some cases, they may suggest replacing your card to prevent future charges. This is especially useful if the merchant keeps charging your card even after you unsubscribe.
A new card means new numbers. Old auto-billing setups won’t work anymore.
What If You’re Dealing With Subscription Traps or Fraud?
Some merchants make it nearly impossible to cancel. You might unsubscribe, only to be charged again next month. Or they hide behind confusing terms and auto-renewals.
If that sounds familiar, you’re not just dealing with a tough merchant. You may be dealing with friendly fraud or a subscription trap. These types of disputes are harder to win, but you’re not helpless.
You can also check out JoinChargeback.com. They help consumers fight back when the merchant won’t cooperate, especially in tough cases like unauthorized renewals or ghost subscriptions.
Final Thoughts
Blocking a merchant on Chime isn’t as simple as hitting “block,” but you can still stop future charges by taking the right steps. Pause your card to cut off access. Dispute any unauthorized transactions. And contact Chime if you need help locking out a repeat offender. These tools give you control, even when merchants try to make it difficult.
FAQs About Blocking Merchants on Chime
Can I block a specific merchant on Chime?
Not directly. Chime doesn’t offer a feature to block individual merchants. But you can pause your card, dispute charges, and ask Chime to issue a new card to stop recurring payments.
What happens after I dispute a charge?
Chime will review your case and may issue a provisional credit while they investigate. They’ll contact the merchant and typically respond within 10 business days.
Will pausing my card stop all payments?
Yes. When your Chime card is paused, no new transactions can go through, including charges from merchants or subscriptions.
Should I get a new Chime card to block a merchant?
If a merchant keeps charging you even after you cancel, replacing your card is a smart move. This resets your card number so old billing setups won’t work anymore.
Can Chime help me cancel a subscription?
Chime can’t cancel a subscription for you, but they can block future charges by pausing or replacing your card. You’ll still need to contact the merchant directly to fully cancel.
Stop Disputes Before They Start with Chargeblast
If you’re a merchant reading this and thinking, “Wait—how many customers are silently blocking my charges?” you’re asking the right question. Every unauthorized charge, forgotten subscription, or hard-to-cancel trial is a risk—not just for the customer, but for your business too.
Chargeblast helps merchants prevent chargebacks before they happen. By catching issues early, sending smart alerts, and automating dispute responses, we help businesses reduce friction and build trust with customers who might otherwise hit pause, dispute, or walk away.
