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Overview

Under certain conditions, charge-back rights are not immediately available.  When one of these conditions is met, automatic submission is delayed accordingly.  These conditions are outlined below, by network.

American Express

Dispute Reason

Condition

Delay

Goods or Services Not Provided

An expected goods or services receive date is provided by the customer.

Sent 15 days after the expected receipt date.

Goods or Services Not Provided

An expected goods or services receive date is not provided by the customer.

Sent 15 days after the transaction date.

Credit Not Processed

The customer was provided with a credit voucher or voided transaction receipt and it is dated.

Sent 15 days after the date on the credit voucher or voided transaction receipt.

Credit Not Processed

The customer cancelled the order.

Sent 15 days after the date that the customer cancelled the order.

Credit Not Processed

The customer returned/refused the goods.

Sent 15 days after the date that the customer returned/refused the goods.

 Not as Described

The customer returned/attempted to return date.

Sent 15 days after the return or attempted to return date.

Mastercard

Dispute Reason

Condition

Delay

Goods or Services Not Provided

The dispute involves merchandise or service will not be provided (i.e. the merchant is no longer in business).

None – sent immediately.

Goods or Services Not Provided

The dispute involves interruption to an ongoing service.

None – sent immediately.

Goods or Services Not Provided

An expected goods or services receive date is provided by the customer.

Sent on the expected receive date.

Goods or Services Not Provided

An expected goods or services receive date is not provided by the customer.

Sent 30 days after the transaction date.

Credit Not Processed

The customer was provided with a credit voucher or voided transaction receipt and it is dated.

Sent 15 days after the date on the credit voucher or voided transaction receipt.

Credit Not Processed

The customer cancelled the order.

Sent 15 days after the date that the customer cancelled the order.

Credit Not Processed

The customer returned the goods.

Sent 15 days after the date that the customer returned the goods.

Damaged, Defective, Misrepresented, Not as Described, Quality

A goods or services received date is provided by the customer.

Sent 15 days after the date received.

Star

Dispute Reason

Condition

Delay

All

All disputes

Sent 5 days after the transaction posting date.

Visa

Dispute Reason

Condition

Delay

Merchandise/Services Not Received

The dispute involves good or services not received.

Sent 15 days after the expected received date.

Merchandise/Services Not as Described or Defective

The dispute involves goods or services that are misleading or broken.

Sent 15 days after the return date.

Credit Not Processed

The customer returned the goods and credit was not received.

Sent 15 days after received date.

Merchandise/Service Cancelled

The customer cancelled the services or order of goods but were still delivered or performed.

Sent 15 days after return date.

Workflow

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CheckChargebackDelay

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