According to the agreement signed at that time, as a merchant, you have the obligation to check the transaction receipt and keep it for two years, especially by swiping a large credit card. It is best to keep the signed receipt and take photos of it when necessary, in order to prevent the cardholder from refusing to pay the bill. If you have a signed receipt, neither the issuing bank nor the cardholder can refuse to pay, and your funds will be guaranteed. Otherwise, you can only wait 180 days, and the cardholder can only refuse to pay and the money can be returned to your account.