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Chargeback time frame (in calendar days)

Stage

Time frame

Dispute initiation by the cardholder [1]

120-180

Merchant’s response of the chargeback [2]

5-20

Chargeback result closure (from defense date) [3]

75-180

Note:

  1. Card scheme typically allow cardholders to initiate disputes within 120-180 days of the original payment, but card schemes’ rules allow more time in some situations. Specifically, it can be up to 540 days.
  2. Following the creation of the chargeback, you have a limited amount of time (usually 5-20 days, depending on the payment method provider and card scheme) to respond to the card issuer. This can vary from case to case. You can find the specific due date in the chargeback notification and must meet the due date.
  3. After you submit the evidence, the chargeback result usually comes out after 75-180 days depending on the card scheme.