Policymerchant
Dispute & chargeback timelines
Network deadlines for response, evidence, and arbitration.
Response windows
- Visa — 30 days from dispute receipt to submit evidence.
- Mastercard — 45 days from dispute receipt.
- Amex — 20 days. Late responses forfeit automatically.
Evidence checklist
- AVS / CVV match
- Delivery confirmation or service usage logs
- Customer correspondence
- Refund attempts
- Terms of service the customer accepted