Chargeback periods are typically limited to 120 days. This means a cardholder cannot generally dispute charges older than about 4 months. https://chargebacks91

Chargeback periods are typically limited to 120 days. This means a cardholder cannot generally dispute charges older than about 4 months. https://chargebacks911.com/chargeback-time-limit/ https://chargebacks911.com/chargeback-time-limit/ There can be exceptions to this but I have never heard of a chargeback over this period and certainly charges a year or two old would be crazy. Maybe what happened is that the cardholder initiated a chargeback on the most recent charges and Upwork decided on their own to refund them all? In any case, it is primarily Upwork’s job to validate credit cards. If their position is that they failed to do that for two years and they have no responsibility, that is wrong.