The chargeback dispute period varies depending on the reason for the dispute. However, the dispute period can never exceed 540 days from the date the transaction posted to the card, under any circumstances.
Provided this period is not exceeded, cardholders have a dispute period of at most 120 days: for disputes related to the delivery of a product/service, starting from the expected delivery date (or, if a return document exists, from the date of that document); for other types of disputes, starting from the date the transaction posted to the card.
If the transaction was not carried out by the cardholder;
Dispute period: at most 120 calendar days from the date the transaction posted to the card.
If the product or service expected in return for the payment was not received;
If the product or service was to be provided immediately, the dispute period is 120 calendar days from the date the transaction posted to the card.
If the product or service was to be provided at a future date, the dispute period is 120 calendar days from the date the product or service was delivered.
If the product or service received in return for the payment is counterfeit or defective;
The dispute period is 120 calendar days from the date the counterfeit nature or defect of the product or service was "discovered." (This is based on the cardholder's own declaration.)
If a cancellation/refund was requested but the transaction(s) were not refunded;
The dispute period is 120 calendar days from the date of the refund document issued by the merchant.
For all other types of disputes;
The dispute period is 120 calendar days from the date the transaction posted to the card.
