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Deadline calculator

Enter the transaction date and the network. It lays out every window that follows, from the point prevention is still possible to the last day you can respond.

TIMELINE Visa · 30-day response window · 120-day filing window
29 Jul 2026
Transaction
The order is captured. Everything below is measured from this date.
Passed
30 Jul 2026
Prevention window opens
From the moment the cardholder contacts their bank, a network alert can reach you and a refund still cancels the dispute.
Passed
10 Aug 2026
Dispute filed by issuer
After this point the chargeback exists, the fee is charged, and it counts toward your ratio whatever happens next.
Passed
09 Sept 2026
Merchant response due
Last day to submit representment evidence to your acquirer. 30 days on Visa.
Ahead
09 Oct 2026
Issuer decision
Typical point at which the issuer accepts your evidence or upholds the dispute.
Ahead
26 Nov 2026
Cardholder filing window closes
The outer limit for most dispute reasons, measured from the transaction date.
Ahead
Windows shown are the figures commonly applied by each network. Acquirers and regions vary, and some issuers act faster. Confirm anything time-critical with your processor.
THE ONLY WINDOW THAT PREVENTS
~40 minutes

Between the alert being published and the issuer filing, a refund still cancels the dispute entirely. After that point every option is recovery, and the chargeback counts against your ratio either way.

See what happens in it
IF YOU MISSED IT
Accept and refund
Cheapest outcome when the customer is right. You still pay the fee and still carry the ratio hit.
Represent with evidence
Worth it above a value threshold you set. Win rates vary by reason code, and a win does not remove the chargeback from the ratio.
Fix the cause
Read the code. A run of not-received disputes is a shipping problem, and a run of fraud codes is often a descriptor problem.

Chargeback prevention infrastructure, starting with Shopify. Alerts, refunds and ratio monitoring in one place.

The Prevention Brief

Network rule changes, threshold updates and merchant teardowns. Once a month.

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