I've had too many clients months later dispute charges or file a reversal with CC payments or the apps because,as was one client explained, "what are you going to do, say I was paying for sex?! Have fun countering my dispute". I even made that guy sign a waiver saying he wouldn't dispute cause I had a bad feeling about him. He still got his money and I got hit with NSF fees being basically told "the customer wasn't satisfied". Four months after the appointment he filed the dispute. If you want to dispute something, I don't know anyone who would wait four months. You do it as soon as that transaction is made or as soon as you get to a phone.
