An issuing bank’s claim when a cardholder challenges a transaction’s authorization or authenticity Typical cardholder disputes include denial of the purchase, issues with product delivery or product quality, and objections about marketing claims. The high-level chargeback process is described below. Cardholders are allowed to file a chargeback up to 60 days after the transaction date. The cardholder’s issuing bank notifies the merchant. The merchant is responsible for defending the transaction.