Chargeback/ Disputes time limits for merchants can vary by card scheme, location, processor, bank, product category, and other factors.
We don’t influence the time that banks allow a payer to start a dispute process.
Card networks typically allow cardholders to initiate disputes within 120 days of the original payment, but their rules allow more time in some situations. Specific industries, such as travel or event ticketing—where the payment might be made long before the event occurs—are prone to longer time intervals between the original purchase and a dispute. Generally speaking, when a customer makes a payment for something that will happen in the future (like a vacation reservation, a professional services appointment, or an event ticket), the clock starts on the date of the event, not the date of the payment.