Filing Timelines

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.

Mastercard

Reason	Earliest filing	Latest filing
`fraud`	—	120 days from transaction date
`invalid_authorization`	—	90 days from transaction date
`product_not_received`	After expected delivery date, if provided	120 days from expected delivery date, service end date, or transaction date
`product_not_as_described`	15 days after delivery date or cancellation date, if provided, otherwise 15 days after transaction date	120 days from delivery date, cancellation date, service end date, or transaction date
`credit_not_processed`	15 days after refund promise date, if provided	120 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_returned`	15 days after cancellation date or return date, if provided	120 days from cancellation date, return date, or transaction date
`other`	—	120 days from transaction date

Visa

Reason	Earliest filing	Latest filing
`fraud`	—	120 days from transaction date
`invalid_authorization`	—	75 days from transaction date
`product_not_received`	15 days after expected delivery date	120 days from expected delivery date, service end date, or transaction date, up to 540 days from transaction date
`product_not_as_described`	15 days after delivery date, cancellation date, or transaction date	120 days from delivery date, cancellation date, service end date, or transaction date, up to 540 days from transaction date
`credit_not_processed`	15 days after refund promise date	120 days from refund promise 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_returned`	15 days after cancellation date or return date, if provided	120 days from cancellation date, return date, or transaction date, up to 540 days from transaction date
`other`	—	120 days from transaction date

American Express

Amex uses a uniform latest-filing rule of 120 days from transaction date for all dispute types.

Reason	Earliest filing	Latest filing
`fraud`	—	120 days from transaction date
`invalid_authorization`	—	120 days from transaction date
`product_not_received`	After expected delivery date, if provided	120 days from transaction date
`product_not_as_described`	15 days after delivery date or cancellation date, if provided, otherwise 15 days after transaction date	120 days from transaction date
`credit_not_processed`	15 days after refund promise date, or 15 days after transaction date if no promise date is provided	120 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_returned`	15 days after cancellation date or return date, or 15 days after transaction date if neither is provided	120 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.

Getting Started

Core Concepts

Filing

Workflow and Validations

Mastercard

Visa

American Express

​Mastercard

​Visa

​American Express

Mastercard

Visa

American Express