The dispute lifecycle can proceed through a variety of cycles before it is resolved. Each cycle in the lifecycle has a set allotted time range attached where a party must complete a required action. Failure to complete the action can resolve the dispute.
Note: Each time range can vary depending on the credit card brand and the cycle in the lifecycle. This list may be periodically updated. Check back for updates.
| CREDIT CARD NETWORK | CYCLE | TIMING |
| Visa Allocation workflow (fraud and authorization disputes) | Retrieval/Inquiry | 20 days. |
| First chargeback |
Visa allows 30 days for the Merchant to request Pre-Arbitration. Worldpay reserves 10 days to resolve potential problems relating to the dispute. |
|
| Pre-arbitration |
Issuer must respond within 30 days. |
|
| Arbitration |
Visa allows the Merchant 10 days to request Arbitration, but Worldpay reserves 3 days to resolve any potential problems. |
|
| Visa Collaboration workflow (Processing errors and consumer disputes other than fraud) | Retrieval/Inquiry |
Merchant must respond within 20 days. |
| First chargeback |
Merchant must respond within 20-30 days. Visa allows 30 days for a response; Worldpay reserves 10 days to resolve potential problems relating to the dispute. |
|
| Representment |
Issuing bank must respond within 30 days. |
|
| Pre-arbitration |
Merchant to accept or decline liability within 20 days. |
|
| Arbitration |
Issuer must request Arbitration within 10 days. |
|
| Mastercard | Retrieval/Inquiry |
Merchant must respond within 20 days. |
| First chargeback |
Merchant must respond within 30 days. |
|
| Representment |
The issuing bank has 45 days after Representment to issue an Arbitration Chargeback. |
|
| Arbitration/Chargeback |
Merchant must submit more evidence within 35 days. |
|
| Pre-arbitration |
No information available. |
|
| Arbitration |
No information available. |
|
| Discover | Retrieval request |
Merchant must respond in 20 days. |
| Chargeback |
Merchant to respond in 35 days. |
|
| Representment |
Issuing bank must respond within 30 days. |
|
| Pre-arbitration |
Issuers must submit Pre-arbitration inquiries 20-30 days after the Representment decision. The Merchant must respond within 10 days. |
|
| Arbitration |
The Merchant has 35 days to respond to an issuer initiated Arbitration case. |
|
| American Express | Inquiry |
Merchant must respond within 20 days. |
| Chargeback |
Merchant must respond within 20 days. |
|
| Reversal request | No information available. |
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