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Retrieval vs chargeback path
GuideRetrieval vs chargeback pathBack to article
Issuer draft ask vs bank dispute. Different clocks and fees. Not the family evidence pack.
| Door | What it means | Your move | Clock / fee |
|---|---|---|---|
| Retrieval / request for copy | Issuer asks for the draft — money not taken yet | Return descriptor, amount, goods, tracking, CS path | Retrieval clock; retrieval fee if billed |
| First chargeback | Bank already reversed the sale | Fight with a packet or refund — do not ignore | Representment window; CB fee + ratio |
| Pre-arbitration / second presentment fight | Issuer rejected your first packet | Only continue if new evidence exists | Network second clock; more fees |
| Alert (CDRN / Ethoca) | Filing path — hours, not a draft ask | Refund or cancel inside the written window | Alert hours; alert fee still bills |
| RDR hit | Pre-set rule already accepted liability | No human intake window on this case | None for staffing; RDR fee if on schedule |
| Retrieval ignored | Draft never returned | Expect the case to become a chargeback | Same sale — now on the CB clock |
Read which door the case is in. A retrieval is not a chargeback. Alert doors stay on inquiry vs alert. Family evidence stays on evidence by reason.
Pairing procedure: Retrieval is not a chargeback. Topic: Chargebacks.
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