Chargeback Response Deadline Calculator

Chargebacks are decided on a schedule that does not wait for you. The response window starts when the notice is issued, is measured in days rather than business days on most networks, and a late submission is treated the same as no submission.

Enter the notice date and your processor's stated window to see the real deadline.

What actually wins

Evidence that matches the reason code. For an unauthorised-transaction claim: AVS and CVV results, IP and device data, and delivery confirmation to the billing address. For not-as-described: listing photographs, the description at time of sale, and any messages where the buyer described the item as received.

Send the specific documents that rebut the specific claim. A large bundle of everything you have reads as noise and loses.

The fee is charged either way

Most processors keep the chargeback fee whether you win or lose. That is why prevention — clear billing descriptors, delivery confirmation, responsive support before a dispute is filed — beats any amount of skill at responding.