Point of Sale (POS) Transactions
- 120 days from the date of the merchants' written acknowledgment of credit due
- 120 days from the expected date of receipt of the goods and service.
- 120 days from the date the cardmember became aware that the expected goods and services would not be provided. (Note: Not to exceed 540 days from the network processing date)
- 120 days from the Network Processing Date of the Presentment.
Stored Value Digital Facility (SVDF) and ATM Transactions
- 120 days from Network Processing Date when the dispute is related to a Stored Value Digital Facility (SVDF)
- 45 days from Network Processing Date when the dispute is related to a ATM transaction

Dependencies

Issuer Declaration that indicates the Chargeback description.
The Cardmember’s Documentation or Issuer Declaration detailing one of the following:
- Cardmember’s attempt(s) to return the partially received Goods, or
- Cardmember’s attempt(s) to cancel the partially received Services and receive credit from the merchant (including the date(s), person(s) contacted, and communication method(s) used by the Cardmember), or
- Cardmember becomes aware that the expected Goods and Services would not be provided, or
- Non-receipt of Goods and Services. In the case of Transactions to fund an SVDF, Cardmember’s claim that the funds were not loaded to the SVDF or only partially loaded.
The Cardmember made a Good Faith attempt to either obtain or cancel the Goods or Services not received or return the partially received Good or ServicesCardmember attempted to resolve with merchant
When disputing ATM transactions a retrieval request needs to be placed prior to submitting a chargeback

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