Charge Back 120 day limit



I would be grateful for any advice or information on the 120 day chargeback limit.

I understand it is normally 120 days from the date of the transaction.

I understand there are other time limits which can extend this period. I have been led to believe there is another time limit of 120 days from the date the breach/ defect/ non delivery was discovered. This is the one I am interested in.

Does anyone know where the Visa chargeback protocols are for this in the UK? I have seen it mentioned on the US site

Many thanks for any guidance.

Not allowed to post link.

VCR Dispute Reason Code 13.1 Time Limit Modifiers

This formerly belonged to Reason Code 30

Chargeback time limits associated with VCR13.1can change if the merchandise or services were expected to be provided after the transaction processing date. But an issuers time limit to chargeback cannot exceed 540 calendar days from the transaction processing date. A resolution will be available within 31 days. But you can expect a chargeback to occur within these two time limits:

  • 120 calendar days from the last date the cardholder expected to receive merchandise or services.
  • 120 calendar days from the date the cardholder was told that the merchandise or services wont be provided.


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