Chargeback / Dispute Rules and Best Practices

Time Frames for Initiating VCC Chargebacks

Visa

The issuer can pursue a dispute as the original services were not rendered using Dispute Condition 13.1— Merchandise/Services Not Received. The time frame would be 120 days from the expected services (not to exceed 540 days from the transaction processing date).

Page 3 - https://usa.visa.com/dam/VCOM/global/support-legal/documents/faq-covid-19-apr21.pdf

Mastercard

In cases involving delayed delivery of goods or services and the delivery or performance date was not specified by the merchant: the issuer must wait 30 calendar days from the transaction date before submitting a chargeback and not exceed 120 calendar days from the transaction settlement date. However, the issuer may chargeback the transaction immediately (and not wait the 30 calendar days) upon learning the merchant will not provide the goods or services because, for example, the merchant is no longer in business.

In cases involving delayed delivery of goods or services and the delivery or performance date was specified by the merchant and the latest anticipated delivery or performance date was specified by the merchant has passed: within 120 calendar days of the latest anticipated delivery or performance date specified by the merchant. However, the issuer may chargeback the transaction immediately (and not wait until the latest anticipated delivery or performance date has passed) upon learning the merchant will not provide the goods or services because, for example, the merchant is no longer in business.

Page 70 - https://www.mastercard.us/content/dam/mccom/global/documents/chargeback-guide.pdf


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