---
title: "NYCE chargebacks"
description: "Learn about the NYCE chargeback process and the guidelines to defend a chargeback."
url: "https://docs.adyen.com/risk-management/chargeback-guidelines/nyce-chargebacks"
source_url: "https://docs.adyen.com/risk-management/chargeback-guidelines/nyce-chargebacks.md"
canonical: "https://docs.adyen.com/risk-management/chargeback-guidelines/nyce-chargebacks"
last_modified: "2026-06-01T15:33:16+02:00"
language: "en"
---

# NYCE chargebacks

Learn about the NYCE chargeback process and the guidelines to defend a chargeback.

[View source](/risk-management/chargeback-guidelines/nyce-chargebacks.md)

When NYCE opens a dispute, the funds are charged back, and you have **30 days** to defend the dispute or accept it.

The NYCE chargeback flow is as follows:

1. [Notification of Chargeback](#notification-of-chargeback)
2. [1st Chargeback](#1st-chargeback)
3. [Information Supplied](#information-supplied)
4. [Chargeback Reversed](#chargeback-reversed)
5. [2nd Chargeback](#2nd-chargeback)

![Diagram of the NYCE chargeback flow](/user/pages/docs/10.risk-management/21.chargeback-guidelines/nyce-chargebacks/nyce-flow.png)

## Notification of Chargeback

The issuing bank initiated a Notification of Chargeback (NoC). The NoC can occur immediately after the payment status changes to Settled or Refunded. We send you a [NOTIFICATION\_OF\_CHARGEBACK](https://docs.adyen.com/api-explorer/Webhooks/latest/post/NOTIFICATION_OF_CHARGEBACK) webhook. The dispute process has started, and money will be withdrawn from your account.

The chargeback debit usually occurs a few days after you receive the NoC.

The 30-day period in which you can defend the dispute starts now.

## 1st Chargeback

The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the [dispute reason](/risk-management/understanding-disputes/dispute-reason-codes#nyce-chargebacks).

We assign the dispute to you for review in your [Customer Area](https://ca-test.adyen.com/) > **Revenue & risk** > **Disputes**. The **NotificationOfChargeback** and **Chargeback** journals are booked, and we send you a [CHARGEBACK](https://docs.adyen.com/api-explorer/Webhooks/latest/post/CHARGEBACK) webhook. At the same time, your account is debited for the chargeback amount.

After your review, you can decide to either:

* Accept the chargeback in your [Customer Area](https://ca-test.adyen.com/) or using the [Disputes API](/risk-management/disputes-api). The case will be closed for defense.

* Defend the dispute. You need to upload the relevant defense documents in your [Customer Area](https://ca-test.adyen.com/) or using the [Disputes API](/risk-management/disputes-api).\
  See [Defense requirements](/risk-management/understanding-disputes/dispute-reason-codes#defense_requirements) for file formats and for defense documents per dispute type. Be sure to address the dispute reason and provide information that supports your position. An overview of the order details is not enough.

  You must provide your defense documents within **30 days after receiving the NoC**. There is no opportunity later in the process to provide information or to update information you provided.

## Information Supplied

Adyen received your defense documents and forwarded them to the scheme. It is no longer possible to change these documents. The **InformationSupplied** journal is booked and we send you an [**INFORMATION\_SUPPLIED** ](/risk-management/disputes-api/dispute-notifications/#information_supplied)webhook.

## Chargeback Reversed

The disputed amount is transferred back to your account. The **ChargebackReversed** journal is booked, and we send you a [CHARGEBACK\_REVERSED](https://docs.adyen.com/api-explorer/Webhooks/latest/post/CHARGEBACK_REVERSED) webhook.

The issuing bank is still reviewing your defense. If they accept your defense, this is the final status.

## 2nd Chargeback

If you decided to defend the first chargeback, the issuing bank can initiate a second chargeback on behalf of the cardholder within **30 days** from the Chargeback Reversed date.

The chargeback amount that was previously returned to your account, is now debited from your account again. The **SecondChargeback** journal is booked, and we send you a [SECOND\_CHARGEBACK](https://docs.adyen.com/api-explorer/Webhooks/latest/post/SECOND_CHARGEBACK) webhook.

NYCE does not allow supplying defense documents for a second chargeback. If you have enough information that the second chargeback is not justified, contact the issuing back directly to challenge the second chargeback.

## See also

* [NYCE dispute reasons](/risk-management/understanding-disputes/dispute-reason-codes#nyce-chargebacks/)
* [Dispute webhooks](/risk-management/disputes-api/dispute-notifications/)
* [Manage disputes](/risk-management/manage-disputes/)
* [Disputes API](/risk-management/disputes-api/)
