The cardholder claims the service or goods purchased weren’t as described or were defective.
The maximum time that is allowed is 120 days. However, there are some exceptions. If the retrieval request is returned to the issuer by the acquirer after the 120-day deadline, the issuer gets an extra 30 days to file a chargeback.
Also, if the cardholder claims the merchandise is counterfeit, they have 120 days from the date they received information the merchandise was counterfeit. This timeline cannot exceed 540 days from the transaction date.
If the cardholder says the merchandise isn’t as described, the chargeback can be filed up to 120 days following the scheduled delivery date. Again, it shouldn’t exceed 540 days from the transaction processing date.