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.