How many days do I have to answer a card chargeback on an online order?
Updated 18 October 2026
Usually 7 to 21 days after the chargeback, depending on the card network. Cardholders can dispute within about 120 days of the payment, and the bank then usually takes 60 to 75 days to decide.
- Customer window: cardholders can usually dispute within 120 days of the payment.
- Your window: after a chargeback you usually have 7 to 21 days to respond.
- Decision: the card issuer usually takes 60 to 75 days to decide.
- Prepare: keep the order, delivery details and any messages ready to send.
Keep order proof ready for disputes
Every online order is saved with items, total and customer details, which is the evidence you need to answer a dispute quickly.
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Sources (1)
- Stripe guidance, Stripe, read 30 September 2026