Disputes must be submitted within the following time limits from the transaction date:

1. Allocation Disputes (Fraud & Authorization): 
   • Fraud Dispute: 120 days from the date of the disputed transaction.
   • Authorization Dispute: 75 days from the date of the disputed transaction.
2. Collaboration Disputes (Processing & Consumer):
   • Processing Dispute: 75 days from the date of the disputed transaction.
   • Consumer Dispute: 60 days from the date of the disputed transaction.
     

Allocation Disputes (Fraud & Authorization)

• Pre-Arbitration: 30 days
• Pre-Arbitration Response: 30 days
• Arbitration Response: 10 days

Collaboration Disputes (Processing & Consumer)

• Dispute Response: 30 days
• Pre-Arbitration: 30 days
• Pre-Arbitration Response: 30 days
• Arbitration Response: 10 days

Failure to respond within the specified timelines may result in automatic loss of the dispute.