Free tool · Deadlines

Chargeback deadline calculator

Enter the respond-by date from your dispute notice. You get a safe submit-by date, a calendar reminder, and how long a customer can dispute a charge in the first place.

By the Dispute Daddy team, built on 10 years of fighting chargebacks · Updated

Plan your response

Nothing you enter is stored or sent. Your processor’s respond-by date always governs.

How the calculator works

Your real deadline is the respond-by date on your dispute notice. The card networks give your bank longer, but your processor keeps part of that time, so the date on your notice is the one that counts. The calculator moves your target two days earlier and gives you a reminder for it.

If you add the transaction date, it also shows how long the customer has to dispute the charge: 120 days for most Visa and Mastercard disputes, and up to 540 days when the service was expected later.

Why deadlines decide so many disputes

A missed deadline loses automatically, before anyone reads your evidence. It is the one dispute loss that is fully in your control. For the full picture, read every chargeback deadline explained.

Questions

Which date do I enter?

The respond-by or due date on your dispute notice, or in your processor’s dashboard. That date is your real deadline; the card networks’ longer limits belong to your bank, not you.

Why does it suggest submitting two days early?

Uploads fail, portals time out and a response that misses by an hour misses completely. Two days of buffer costs nothing.

Is anything I enter saved or sent?

No. The calculator runs entirely in your browser. Nothing you type leaves your device.

Sources

  1. Visa Core Rules and Visa Product and Service Rules, 18 April 2026 edition; 120-day dispute time limits and the 540-day maximum; read October 25, 2026.
  2. Stripe: Respond to disputes, merchant response windows; read October 25, 2026.

General information, not legal advice. Network and processor rules change; the due date on your own dispute notice always governs.

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This site uses examples made for illustration. They are not real customer records.

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