Disputes

Chargebacks the card networks have already debited · ordered by the deadline, not the amount

Why this queue is time-boxed

When a cardholder disputes a payment their bank pulls the money back immediately and the merchant has a fixed window to answer with evidence. Visa allows 30 days on every reason code; Mastercard allows 45 days on a first chargeback and 30 at pre-arbitration. Miss the date and the case is lost automatically, whatever the evidence would have shown — so this queue sorts by time remaining. The second clock is the ratio: Visa’s VAMP programme treats 1.5% of transaction count as excessive, and breaching it brings fines and, eventually, loss of acquiring.

Open disputes

2 due ≤3dacross 6 merchants

Money at risk

$2,858

Debitedalready pulled by issuers

Win rate

41%

5 ptslast 90 days, 78 cases

Dispute rate

0.31%

0.06 ptsVAMP excessive at 1.50%

Response queue

Evidence must be filed before the deadline or the case is forfeit

Due	Case	Merchant	Reason code	Stage	Evidence	At risk
1 day	dp_7741	Kestrel Goods	Visa 10.4Card-not-present fraud	Pre-arbitration	Draft	$1,095.00
2 days	dp_7738	Halcyon Media	Visa 13.2Cancelled recurring	Chargeback	Not started	$49.00
4 days	dp_7735	Sablefield	Mastercard 4853Not as described	Chargeback	Ready	$284.00
6 days	dp_7702	Kestrel Goods	Visa 10.4Card-not-present fraud	Arbitration	Submitted	$443.00
9 days	dp_7729	Juniper Lane	Visa 13.1Goods not received	Chargeback	Ready	$162.00
14 days	dp_7724	Postline	Mastercard 4837No cardholder authorisation	Chargeback	Draft	$620.50
21 days	dp_7719	Halcyon Media	Visa 13.6Credit not processed	Chargeback	Ready	$78.00
27 days	dp_7688	Ostara Health	Mastercard 4841Cancelled recurring billing	Chargeback	Not started	$126.00