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The chargeback time frame varies depending on the reason for the transaction dispute and which card issuer raises the chargeback. The cardholder can dispute a payment up to several months after the "purchase date.” The purchase date is:
The date the card issuer processes the transaction
or The date of the last rebill in a recurring chain
Typically, the card issuer then has up to 190 days from this day to successfully dispute and recover the payment on behalf of the cardholder.
Any guarantee, membership or subscription period purchased as part of the transaction is ADDED TO THE 190 DAY PERIOD.
But if the merchant is in one of the 3 chargeback monitoring program; gives the card issuer almost an unlimited chargeback window.
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