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  Documentation

Defense timeframes

The timeframe to exercise and defend a chargeback:

 

Response time frame merchant Request for Information

Time frame for the bank to exercise 1st chargeback

Response time frame merchant 1st chargeback

Time frame for the bank to exercise 2nd chargeback

Dispute closure date if the bank continued with a 2nd chargeback

 

From the Request for Information date

from the transaction date

from the chargeback date

from the dispute defense date

from the dispute defense date

Visa

18 calendar days

120 calendar days *

18 calendar days

30 calendar days

60 calendar days

Mastercard

18 calendar days

120 calendar days *

40 calendar days 

45 calendar days

Ends after the 2nd chargeback

Amex

14 calendar days

120 calendar days *

14 calendar days 

n.a.

Ends after the 1st chargeback

Diners

18 calendar days

120 calendar days *

40 calendar days 

30 calendar days

60 calendar days

Discover

18 calendar days

120 calendar days *

40 calendar days 

30 calendar days

60 calendar days

China Union Pay

n.a

120 calendar days *

25 calendar days 

20 calendar days

Ends after the 2nd chargeback

JCB

18 calendar days

120 calendar days *

40 calendar days 

45 calendar days

Ends after the 2nd chargeback