Visa allows cardholders 180 days and MasterCard allows 90 days to dispute a transaction. Rather than searching through shoeboxes full of receipts when a merchant needs to find a sales slip 60-90 after the transaction, signature capture allows them to easily gain access through their web dashboard in seconds. There is a small fee of $5.00 per month but you will easily be able to justify it by offsetting the cost of the paper used to print merchant copies of receipts.