---
title: How do I initiate a chargeback dispute process in Payments Hub?
description: Learn how to initiate and manage the chargeback dispute process in Payments Hub. Protect your business by responding promptly with the right documentation and steps.
---

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# How do I initiate a chargeback dispute process in Payments Hub?

## Respond to chargeback disputes promptly to best protect your business

Payments Hub allows merchants to easily track and take action on chargebacks, by rebutting disputes.

**What is a chargeback?**

A dispute initiated by a customer and/or the issuing bank, claiming that the cardholder should not be debited for a specific transaction.

**Why does dispute management matter?**Effective management helps your merchants reduce the [negative impacts of chargebacks](https://sekuremerchants.com/blog/six-ways-to-prevent-chargebacks-and-online-payment-processing-disputes), including financial losses, operational disruption, increased fees, and potential restrictions on payment processing.

**How to know when a customer has initiated a chargeback?**

When a new chargeback is issued, you will receive an email alert from Payments Hub, and it will also be listed on the [Disputes page](https://www.paymentshub.com/business/disputes), with a status of "Action Required." Merchants can click on the chargeback to view more details.

**How to initiate a chargeback dispute process?**

If you would like to dispute the chargeback, you can rebut it by providing critical documentation that can help resolve it. 

**Step 1:** Navigate to the [Disputes page](https://www.paymentshub.com/business/disputes) in your Payments Hub portal

**Step 2:** Click “Action Required” to filter for your active disputes. Select the dispute you want to manage.  
![Action-Required](https://support.sekuremerchants.com/hs-fs/hubfs/Action-Required.png?width=307&height=107&name=Action-Required.png)  
**Step 3:** Click “Rebut”  
![Re-but](https://support.sekuremerchants.com/hs-fs/hubfs/support/Re-but.png?width=238&height=91&name=Re-but.png)  
**Step 4:** You will be prompted to upload supporting documentation. You can continue to attach documentation that supports your rebuttal while the dispute is under review.  
![supports your-rebuttal](https://support.sekuremerchants.com/hs-fs/hubfs/support/supports%20your-rebuttal.png?width=415&height=378&name=supports%20your-rebuttal.png)

**Step 5:** Click “Submit”. You can now view the current status of any dispute "Under Review", the actions that can be taken, and the outcome of a closed dispute (whether won or lost).

**How long does the chargeback dispute process take?**

After a sale, your customer generally has 120 days to file a chargeback dispute for any transaction. Respond to disputes in a timely manner to best protect yourself. 

**Visa, Mastercard, and Discover disputes**

All documents must be submitted within 14 days of the dispute date.

**American Express disputes**

All documents must be submitted within 10 days of the dispute date.

 [![Still need help navigating the chargeback dispute process](https://support.sekuremerchants.com/hs-fs/hubfs/support/Still%20need%20help%20navigating%20the%20chargeback%20dispute%20process.png?width=687&height=200&name=Still%20need%20help%20navigating%20the%20chargeback%20dispute%20process.png)](https://support.sekuremerchants.com/how-do-i-view-a-dispute-chargeback-on-payments-hub#popup-open)

 

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