|Card Brand||Merchant Rebuttal||Customer Dispute|
|VISA||10 days to reply (30 days)||up to 120 days|
|MasterCard||10 days to reply (45 days)||up to 120 days|
|Discover||10 days to reply (45 days)||up to 120 days|
|American Express||10 days to reply (20 days)||up to 120 days|
* Note that these timeframes can change depending on the reason for the chargeback. If the service is future delivery, the dispute time starts at time of delivery. The rebuttal period to respond is shortened to allow entire process to complete.