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Each card network sets its own timing rules for when disputes can be filed and how long issuers have to file. This reference lists, per network, the earliest and latest filing dates for each dispute type.
  • Earliest filing is the soonest a dispute can be submitted after the reference event. Where blank, disputes can be filed after the transaction settles. Disputes cannot be filed if the transaction is still pending.
  • Latest filing is the deadline. If missed, the dispute right is forfeited. The case will be automatically closed with status expired if the filing window is missed.

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Mastercard

ReasonEarliest filingLatest filing
fraud—120 days from transaction date
invalid_authorization—90 days from transaction date
product_not_receivedAfter expected delivery date, if provided120 days from expected delivery date, service end date, or transaction date
product_not_as_described15 days after delivery date or cancellation date, if provided, otherwise 15 days after transaction date120 days from delivery date, cancellation date, service end date, or transaction date
credit_not_processed15 days after refund promise date, if provided120 days from transaction date
subscription_canceled—120 days from transaction date
duplicate_charge—90 days from transaction date
incorrect_amount—90 days from transaction date
cash_not_received—120 days from transaction date
canceled_or_returned15 days after cancellation date or return date, if provided120 days from cancellation date, return date, or transaction date
other—120 days from transaction date

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Visa

ReasonEarliest filingLatest filing
fraud—120 days from transaction date
invalid_authorization—75 days from transaction date
product_not_received15 days after expected delivery date120 days from expected delivery date, service end date, or transaction date, up to 540 days from transaction date
product_not_as_described15 days after delivery date, cancellation date, or transaction date120 days from delivery date, cancellation date, service end date, or transaction date, up to 540 days from transaction date
credit_not_processed15 days after refund promise date120 days from transaction date, up to 540 days from transaction date
subscription_canceled—120 days from transaction date
duplicate_charge—120 days from transaction date
incorrect_amount—90 days from transaction date
cash_not_received—120 days from transaction date
canceled_or_returned15 days after cancellation date or return date, if provided120 days from cancellation date, return date, or transaction date, up to 540 days from transaction date
other—120 days from transaction date

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American Express

Amex uses a uniform latest-filing rule of 120 days from transaction date for all dispute types.
ReasonEarliest filingLatest filing
fraud—120 days from transaction date
invalid_authorization—120 days from transaction date
product_not_receivedAfter expected delivery date, if provided120 days from transaction date
product_not_as_described15 days after delivery date or cancellation date, if provided, otherwise 15 days after transaction date120 days from transaction date
credit_not_processed15 days after refund promise date, or 15 days after transaction date if no promise date is provided120 days from transaction date
subscription_canceled—120 days from transaction date
duplicate_charge—120 days from transaction date
incorrect_amount—120 days from transaction date
cash_not_received—120 days from transaction date
canceled_or_returned15 days after cancellation date or return date, or 15 days after transaction date if neither is provided120 days from transaction date
other—120 days from transaction date
For required and recommended evidence per dispute type, see Dispute Types. For network-specific required fields and documentation, see Filing Requirements.