There are a few reasons why a customer (Cardholder/ Buyer) would request a chargeback:

• An unauthorized payment was made with the customer’s card
• The customer didn’t receive the item that was paid for
• There were errors in processing the transaction
• The item does not match its description

The maximum time a customer (buyer) has to file a chargeback is typically 120 days after the expected delivery of the agreed goods or services. Certain exceptions may apply.