DISPUTE OPS · CHARGEBACK DEADLINE CARD

Miss the deadline. Lose automatically.

v1.1 · Edition 001
Verified April 2026
dispute-ops.com

⚠ URGENT

Visa US/Canada deadline changed to 9 days (effective 21 July 2025 — previously 30 days). Adyen's internal submission window is ~7 days — shorter than the network deadline. Check your PSP dashboard immediately on receipt.

⚠ NEW

VAMP replaced VDMP + VFMP (April 2025). Thresholds: 0.9% dispute ratio · 0.3% TC40 ratio. Enforcement: October 2025. Still monitoring VDMP/VFMP numbers? You are managing to the wrong floor. Mastercard MDMP: 1.5% + 100/mo (Standard) · 3.0% + 1,000/mo (Excessive).

01 / RESPONSE DEADLINES — calendar days from chargeback notice date

Network	Region	Days	Note
Visa	US / Canada	9	Changed July 2025 · Adyen internal window: ~7d
Visa	All other regions	18
Mastercard	All regions	40	19-page evidence limit · MDMP: 1.5% / 100 disputes
Amex	All regions	14	RFI window: 120d — different clock, both mandatory
Discover	All regions	25

02 / PRE-DISPUTE INTERCEPT — stop the chargeback before it files

Verifi RDR

Visa

Auto-refund before dispute files — no chargeback, no ratio hit. Non-contestable: configure refund rules carefully or you'll surrender disputes you'd win.

Ethoca Alert

MC / Amex

Refund within ~72h window → no chargeback, no ratio hit. Miss the window, refund after formal dispute → still hits your ratio. Timing is everything.

CE 3.0

Visa

Submit 2+ prior undisputed txns from same card as compelling evidence. Strongest friendly-fraud rebuttal available — most merchants never pull this data.

CDRN

Visa / MC

Merchant-triggered pre-dispute notification. Lets you refund or provide evidence before the chargeback formally files. Requires Verifi/Ethoca enrollment.

03 / REASON CODES — what the note field won't tell you

VISA

10.4CNP Fraud

ARes=A ≠ full shift — some issuers reject it. Only ARes=Y is bulletproof.

13.1Not Received

Carrier confirmation + address match wins <$100 without signature. Network rule.

13.2Canceled Recurring

Policy must appear at checkout. Confirmation email is too late — Visa ignores it.

13.3Not as Described

Use archived listing from purchase date. Post-sale page edits are discarded.

13.6Credit Not Processed

Submit both credit TXN ID + original TXN ID. Missing either = automatic loss.

MASTERCARD

4837No Auth (Fraud)

ARes=A accepted (unlike Visa). Weaker but sufficient for MC liability shift.

4853Not as Described

'Substantially similar' standard — less strict than Visa's exact-match 13.3.

4855Not Received

GPS delivery timestamp beats carrier scan if delivery address is disputed.

4841Canceled Recurring

Notice sent >7d before billing = win. Zero notice = automatic loss, no exceptions.

4863Doesn't Recognize

Pull 90-day purchase history — prior txns same card/IP is the strongest rebuttal.

AMEX

F29CNP Fraud

RFI (120d window) ≠ dispute (14d window). Ignoring RFI forfeits the dispute.

C08Not Received

IP + timestamp + session ID beats 'I never downloaded it'. Pull logs on receipt.

C28Canceled Recurring

If T&Cs accepted at enrollment, no explicit cancel required — Amex allows auto-renew.

C31Not as Described

Amex uses archived listing from purchase date — match that version, not current.

C02Credit Not Processed

Credit TXN + original settlement both required. Credit receipt alone = loss.

DISCOVER

7030CNP Fraud

Discover honors 3DS liability shift more consistently than Visa/MC in practice.

4755Not Received

Carrier confirmation sufficient under $100 — signature not always required.

4541Canceled Recurring

Only the enrollment policy counts. Post-signup emails are inadmissible.

4553Quality Dispute

Spec comparison vs. purchase-date listing. Vague quality claims rarely win.

8002Credit Not Received

Same as Visa 13.6: credit TXN ID + original settlement. Both required.