Conditions

The Cardholder claims that the Cardholder was charged for a sale by a Merchant where the Transaction was conducted using another form of payment.

Timing

An Issuer or Issuer Processor may initiate a Chargeback within the following timelines as applicable:

• If a Transaction Retrieval Request (TRR) is submitted, a Chargeback must be initiated between 60 calendar days of the TRR initiation date and 30 calendar days of the close date of such TRR.
• If there is no TRR, the Chargeback must be initiated within 120 calendar days of the Processing date of the Card Transaction.

Dependencies

• The Cardholder must first attempt to resolve the claim directly with the Merchant. Only after the Issuer or Issuer Processor confirms that the Cardholder was unsuccessful in resolving the claim directly with the Merchant may the Issuer or Issuer Processor initiate a Dispute.
• Evidence that the Cardholder paid the Merchant for a Purchase using another method of payment.

Validations

None.