The Chargeback Process

The chargeback process allows you to retroactively cancel a credit card or debit card transaction.


Once issuing banks raise disputes, merchants have either 20, 30 or 45 calendar days (depending on the card network) to respond. They do so by submitting a document called a representment. The representment is the merchant’s opportunity to rebut your reasons for a chargeback. If the merchant does not file a representment, your temporary credit will be re-classified as permanent once the deadline passes. In the event you did not receive a temporary credit, the funds will automatically appear in full in your account at this time.

When the merchant files a representment, however, your bank will receive it in a reverse chargeback process. Your bank will then either request that you submit a response to the representment, or it may respond on your behalf. It may do so without notifying you. It also has the right to close the case on its own. If you used a Visa card, the merchant may choose to submit a second representment to rebut your response. In that event, a new period of 30 days, known as pre-arbitration, begins. If afterwards the acquiring bank still does not agree to the chargeback, the issuing bank can elect to move to arbitration.

If you used a Mastercard, the merchant has 45 days to respond. Should the merchant submit a representment, the cardholder then has 45 days to rebut it. If the issuing bank allows the cardholder to respond to the representment, the acquiring bank can elect to move directly to the final stage of the chargeback process, which is arbitration.

American Express and Discover (and Diners Club International, which it owns) employ an internal chargeback process. Merchants have 20 days to respond.


Theoretically, the losing side in the debit card or credit card chargeback process can appeal under exceptional circumstances. The appeal is known as arbitration. The arbitrators are neutral professionals employed by the credit card networks. Their ultimate decision in chargebacks processing is final.

One example of an exceptional circumstance is if the arbitrators clearly base their decision on a misrepresentation of the facts of the case. As a general rule, the bank that loses the dispute will pay for the costs of the arbitration. Not the cardholder.

MyChargeBack will accompany you throughout this entire cycle.

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MyChargeBack’s Value Added Service

How to win a chargeback?

What makes MyChargeBack different from other financial services firms is the value added service we provide by accompanying you throughout this complicated debit card or credit card chargeback process. Upon engaging our services, we will ask you to supply us with the following information:

  1. The names of all merchants, including the URLs of the domains, with whom there is at least one disputed transaction.
  2. A comprehensive list of all deposits and withdrawals processed with each merchant.
  3. A comprehensive list of the relevant credit card details for each transaction.

Our financial professionals will then review this material, chart an appropriate strategy and prepare the document you will submit to your bank. Should it be necessary, one of our experienced recovery agents will then join you in as many conference calls with your bank’s dispute resolution center as are necessary. Our recovery agent will explain to your bank your reason to dispute a transaction. In the event the merchant challenges your request, we will, of course, prepare a point-by-point response and continue to work with you in pursuing your case leading up to a successful dispute resolution.

Do You Have a Complex Dispute?

Did you pay with a credit card or debit card? Bank wire? Cryptocurrency?

Let’s get your money back!