> ## Documentation Index
> Fetch the complete documentation index at: https://docs.decisionly.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Filing Timelines

> Filing windows for each dispute type and card network

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                                                                         |
| ---------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------- |
| <span style={{whiteSpace: 'nowrap'}}>`fraud`</span>                    | —                                                                                                       | 120 days from transaction date                                                        |
| <span style={{whiteSpace: 'nowrap'}}>`invalid_authorization`</span>    | —                                                                                                       | 90 days from transaction date                                                         |
| <span style={{whiteSpace: 'nowrap'}}>`product_not_received`</span>     | After expected delivery date, if provided                                                               | 120 days from expected delivery date, service end date, or transaction date           |
| <span style={{whiteSpace: 'nowrap'}}>`product_not_as_described`</span> | 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 |
| <span style={{whiteSpace: 'nowrap'}}>`credit_not_processed`</span>     | 15 days after refund promise date, if provided                                                          | 120 days from transaction date                                                        |
| <span style={{whiteSpace: 'nowrap'}}>`subscription_canceled`</span>    | —                                                                                                       | 120 days from transaction date                                                        |
| <span style={{whiteSpace: 'nowrap'}}>`duplicate_charge`</span>         | —                                                                                                       | 90 days from transaction date                                                         |
| <span style={{whiteSpace: 'nowrap'}}>`incorrect_amount`</span>         | —                                                                                                       | 90 days from transaction date                                                         |
| <span style={{whiteSpace: 'nowrap'}}>`cash_not_received`</span>        | —                                                                                                       | 120 days from transaction date                                                        |
| <span style={{whiteSpace: 'nowrap'}}>`canceled_or_returned`</span>     | 15 days after cancellation date or return date, if provided                                             | 120 days from cancellation date, return date, or transaction date                     |
| <span style={{whiteSpace: 'nowrap'}}>`other`</span>                    | —                                                                                                       | 120 days from transaction date                                                        |

## Visa

| Reason                                                                 | Earliest filing                                                     | Latest filing                                                                                                               |
| ---------------------------------------------------------------------- | ------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------- |
| <span style={{whiteSpace: 'nowrap'}}>`fraud`</span>                    | —                                                                   | 120 days from transaction date                                                                                              |
| <span style={{whiteSpace: 'nowrap'}}>`invalid_authorization`</span>    | —                                                                   | 75 days from transaction date                                                                                               |
| <span style={{whiteSpace: 'nowrap'}}>`product_not_received`</span>     | 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           |
| <span style={{whiteSpace: 'nowrap'}}>`product_not_as_described`</span> | 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 |
| <span style={{whiteSpace: 'nowrap'}}>`credit_not_processed`</span>     | 15 days after refund promise date                                   | 120 days from transaction date, up to 540 days from transaction date                                                        |
| <span style={{whiteSpace: 'nowrap'}}>`subscription_canceled`</span>    | —                                                                   | 120 days from transaction date                                                                                              |
| <span style={{whiteSpace: 'nowrap'}}>`duplicate_charge`</span>         | —                                                                   | 120 days from transaction date                                                                                              |
| <span style={{whiteSpace: 'nowrap'}}>`incorrect_amount`</span>         | —                                                                   | 90 days from transaction date                                                                                               |
| <span style={{whiteSpace: 'nowrap'}}>`cash_not_received`</span>        | —                                                                   | 120 days from transaction date                                                                                              |
| <span style={{whiteSpace: 'nowrap'}}>`canceled_or_returned`</span>     | 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                     |
| <span style={{whiteSpace: 'nowrap'}}>`other`</span>                    | —                                                                   | 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                  |
| ---------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------- | ------------------------------ |
| <span style={{whiteSpace: 'nowrap'}}>`fraud`</span>                    | —                                                                                                        | 120 days from transaction date |
| <span style={{whiteSpace: 'nowrap'}}>`invalid_authorization`</span>    | —                                                                                                        | 120 days from transaction date |
| <span style={{whiteSpace: 'nowrap'}}>`product_not_received`</span>     | After expected delivery date, if provided                                                                | 120 days from transaction date |
| <span style={{whiteSpace: 'nowrap'}}>`product_not_as_described`</span> | 15 days after delivery date or cancellation date, if provided, otherwise 15 days after transaction date  | 120 days from transaction date |
| <span style={{whiteSpace: 'nowrap'}}>`credit_not_processed`</span>     | 15 days after refund promise date, or 15 days after transaction date if no promise date is provided      | 120 days from transaction date |
| <span style={{whiteSpace: 'nowrap'}}>`subscription_canceled`</span>    | —                                                                                                        | 120 days from transaction date |
| <span style={{whiteSpace: 'nowrap'}}>`duplicate_charge`</span>         | —                                                                                                        | 120 days from transaction date |
| <span style={{whiteSpace: 'nowrap'}}>`incorrect_amount`</span>         | —                                                                                                        | 120 days from transaction date |
| <span style={{whiteSpace: 'nowrap'}}>`cash_not_received`</span>        | —                                                                                                        | 120 days from transaction date |
| <span style={{whiteSpace: 'nowrap'}}>`canceled_or_returned`</span>     | 15 days after cancellation date or return date, or 15 days after transaction date if neither is provided | 120 days from transaction date |
| <span style={{whiteSpace: 'nowrap'}}>`other`</span>                    | —                                                                                                        | 120 days from transaction date |

For required and recommended evidence per dispute type, see [Dispute Types](/dispute-types). For network-specific required fields and documentation, see [Filing Requirements](/filing-requirements).