Is there a time limit to raise a dispute?
Yes, there is a specific timeframe for raising a dispute, and it depends on the payment method used.
- Cards: A dispute must be raised within 120 days from the transaction date.
- ACH Direct Debit: A dispute must be raised within 60 days if the payment was made from a savings account, and within 3 days if it was made from a current account.
Note: Confirm this duration with your bank or card network, as it may vary slightly.
If you notice an incorrect order or unauthorized transaction, it’s always advisable to act as early as possible by contacting the business directly. Many issues can be resolved this way without escalating to a formal dispute.
If the issue is unresolved or you’re unable to contact the business, you can raise a dispute to formally initiate the process.
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