Conditions

An issuer may initiate a dispute under Dispute Condition 13.7: Cancelled Merchandise/Services for the following reason:

...

• The merchant did not properly disclose or did disclose, but did not apply, a limited return or cancellation policy at the time of the transaction.
• In the Europe Region: The merchandise or services relate to an off premises, distance selling contract (as set out in the EU Directive and amended from time to time) which is always subject to a 14-day cancellation period.

Time Limit

Before initiating a Dispute, an Issuer must wait 15 calendar days from the date the merchandise was returned.

...

• The Transaction Processing Date
• The date the Cardholder received or expected to receive the merchandise or services, not to exceed 540 calendar days from the Transaction Processing Date
• For an Adjustment of a PIN-Authenticated Visa Debit Transaction, the date of the Adjustment

Dependencies

Certification of the following, as applicable:

...