Timeframes

Chargeback maximum time to file POS: Either of the following:

1. 120 days from the Network Processing Date of the Presentment, or
2. 120 days from one (1) of the below (whichever occurred first):
   1. From the expected date of receipt of the Goods and Services (for example, airline flight date or entertainment performance date), or
   2. From the date the Cardmember becomes aware that the expected Goods and Services would not be provided, not to exceed 540 days from the Network Processing Date of the First Presentment (for example, airline bankruptcy or entertainment performance cancellation)

Chargeback maximum time to file SVDF: 120 days from the Network Processing Date of the Presentment for Transactions used to fund an SVDF where the funds were not loaded to the SVDF or only partially loaded.

Chargeback maximum time to file ATM: Forty-five (45) days from the Network Processing Date of the Fulfillment Notification

Prior to sending the Chargeback, the Issuer must wait until:

• The expected date of delivery, or
• Fifteen (15) days from the Transaction Date if delivery is unscheduled, and within 120 days from the Network Processing Date of the Presentment, or
• Fifteen (15) days from the date of the attempted return, unless the 120-day filing limit would be exceeded, or
• If the S/E is no longer in business or if the Cardmember becomes aware that the expected Goods and Services would not be provided, the Issuer may file a Chargeback immediately.

Conditions

The Issuer must meet all the following condition:

1. 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 Services in compliance with both the S/E’s cancellation/return policy and local law and regulation.

And one (1) or more of the following conditions is also met:

1. The amount to be charged back will either be for that part of the Goods or Services which were not received or for the entire Transaction amount when partially delivered shipments have been returned to the S/E. In the case of funds dispensed from an ATM, no return of partially dispensed funds is necessary.
2. The Cardmember ordered Goods or Services via mail/telephone/Internet means, to be delivered to the address specified by the Cardmember and the Goods or Services were not received.
3. In the case of Transactions to fund an SVDF, the funds were not loaded to the SVDF or only partially loaded. The amount to be charged back is limited to the difference between the Presentment Amount and the amount loaded to the SVDF. No return of partially loaded funds is necessary.

Dependencies

Validations

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