Klarna, Affirm and Afterpay each run their own dispute clock — different windows, different rules. Pick your provider, enter your purchase date, and get your exact deadline, days left, and what to do next.
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Buy-now-pay-later looks like one product, but Klarna, Affirm and Afterpay each publish their own dispute window counted from the purchase date — and the windows are not the same. The checker above applies the right one to your date and tells you exactly where you stand.
A card chargeback runs under card-network rules that can force money back from the merchant. A BNPL dispute is the provider's own internal review: Klarna, Affirm or Afterpay decides, on its own evidence rules and timelines. There is no network forcing the outcome, so treat the provider's published terms as the rulebook — and screenshot them before you file, because terms change.
If a credit or debit card funded your BNPL payments, your card issuer has a separate dispute process under the card network's rules — typically up to about 120 days from the transaction, plus the US 60-day written-notice rule (FCBA / Regulation E). That clock can be shorter or longer than the provider's window. Check both with the deadline calculator, act on the earlier one, and file on one path at a time — double recovery is not allowed.
How each provider's process works, how BNPL disputes differ from card chargebacks, and what UK readers should know.
