Simulator

Dispute lifecycle

Advance the timeline to see who acts, who pays, and what evidence matters.

1. 1 · Cardholder complaint

   Cardholder disputes a charge with their issuer, citing 'goods not received'.

2. 2

   2 · Retrieval request (optional)

3. 3

   3 · First chargeback

4. 4

   4 · Representment

5. 5

   5 · Pre-arbitration

6. 6

   6 · Scheme arbitration