What are the time limit on chargebacks?

Chargeback Time Limits with Square

For Customers (Cardholders):

• Most card networks, including Visa and Mastercard, allow customers up to120 days from the transaction date to initiate a chargeback.
• This period may vary depending on the card network and the specific reason for the dispute. In some cases, card networks may allow chargebacks beyond 120 days, especially for certain dispute types.

For Merchants (Your Response Time):

• Once Square notifies you of a chargeback, you typically haveseven days to submit your response and supporting evidence through Square’s Disputes Dashboard.
• Square sets this seven-day window to ensure they have enough time to review your submission and meet the card network’s final deadline.
• If you miss this deadline, you automatically lose the dispute.

Additional Notes:

• The issuing bank (customer’s bank) may take up to90 days to make a final decision on the dispute, and appeals can extend the process by another 60 days.
• For ACH transactions (not card payments), consumers generally have up to60 days to issue a return.

Summary Table

Always check the specific details in your Square Disputes Dashboard, as deadlines may vary by card network and dispute type.