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Log a Dispute

Log a dispute against one or more transactions for an issued card. A dispute can be logged if the Customer reports unauthorized transactions or has a dispute with a merchant.

To log a dispute, you will need:

ID of the integrated Financial Account linked to the issued card
Dispute type
Dispute reason
Dispute questions to ask the Customer. Use the Retrieve Dispute Questions API to retrieve the questions for the appropriate dispute type.
Customer’s answers to the dispute questions

Endpoint

POST /v1/integrated-cards/{financialAccountId}/disputes

Authorization Header

Authorization: Bearer <access_token>

Idempotency-Key Header

Idempotency-Key: <key>

where <key> is a v4 UUID or any other unique string with a minimum length of 6 characters and a maximum length of 255 characters.

The idempotency key identifies the request. If a network error occurs, you can safely retry the request using the same idempotency key and the request will only be executed once. This ensures that calling the API multiple times will not result in duplicate requests. For more information, see Idempotent Calls.

Path Parameters

financialAccountId REQUIRED

string (UUID)

ID of the integrated Financial Account linked to the issued card.

Request Body

disputeType REQUIRED

string enum, values: UNAUTHORIZED, MERCHANT_DISPUTE

Type of dispute. The following values are supported:

UNAUTHORIZED Cardholder has reported unauthorized transactions on the card.
MERCHANT_DISPUTE Carholder has reported an issue with the merchant (such as an incorrect charge or merchandise not received).

disputeDescription

string

Details about the dispute.

disputedTransactions REQUIRED

array

List of disputed transactions.

transactionId REQUIRED

string (UUID)

ID of the disputed transaction.

disputeAmount REQUIRED

string (currency)

Disputed amount. This should be less than the transaction amount.

disputeReason REQUIRED

string enum

Reason for the transaction dispute. The following values are supported.

Unauthorized Transactions (disputeType = UNAUTHORIZED)
Value	Description
CHARGE_WITHOUT_CONSENT	Charge without consent.
UN_AUTH_ATM_WITHDRAWAL	Unauthorized ATM withdrawal.
UN_AUTH_ONLINE_PURCHASE	Unauthorized online purchase.
UN_AUTH_POS_TXN	Unauthorized point of sale (POS) transaction.
UN_CHARGE_AFTER_SUB_CANCELLED	Charge after subscription cancellation.

Merchant Disputes (disputeType = MERCHANT_DISPUTE)
Value	Description
ATM_REQ_NOT_FULFILLED	ATM request was not fulfilled.
CHARGE_AFTER_SUB_CANCELLED	Charge after subscription cancelled.
CREDIT_SLIP_CHARGE_APPLIED	Received credit slip but charge was applied to the account.
CREDIT_SLIP_CHARGE_NOT_APPLIED	Received credit slip but charge has not been applied to the account yet.
DISPUTE_ON_ENTIRE_CHARGE	Dispute on the entire charge or a portion of the charge.
DOLLAR_AMT_SALE_INCR	Dollar amount sale was increased.
DUP_TRANSACTION	Duplicate transaction.
ENCLOSING_EXPLANATION	Enclosing explanation or did not receive merchandise or service.
HOTEL_RESERVE_CANCEL	Canceled hotel reservation.
MERCH_NOT_RECEIVED	Merchandise was not received.
MERCH_RETURNED	Merchandise was returned.
OTHERS	Other reasons.
PAID_BY_OTR_MEANS	Paid by other means.
RECEIVED_CANCEL_NUMBER	Received cancellation number.

disputeQuestions

array

List of dispute questions. Use the Retrieve Dispute Questions API to get a list of questions for the disputeType provided in the request.

questionCode

string

ID of the question.

answer

string, max length: 255

Answer for the question. For dates, use the format yyyy-MM-dd.

Returns

Returns the Dispute object. This object contains the dispute details, including a unique case number for the dispute.

SAMPLE REQUEST

				
					{
  "disputeType": "UNAUTHORIZED",
  "disputeDescription": "Transaction not made by the cardholder",
  "disputedTransactions": [
    {
      "transactionId": "af3c4bf0-fb83-46ac-b4de-d164db5e49a0",
      "disputeAmount": "560.50",
      "disputeReason": "UN_AUTH_ONLINE_PURCHASE"
    }
  ],
  "disputeQuestions": [
    {
      "questionCode": "1234",
      "answer": "2023-02-01"
    }
  ]
}

SAMPLE RESPONSE

				
					{
  "disputeType": "UNAUTHORIZED",
  "disputeDescription": "Transaction not made by the cardholder",
  "disputedTransactions": [
    {
      "transactionId": "af3c4bf0-fb83-46ac-b4de-d164db5e49a0",
      "disputeAmount": "560.50",
      "disputeReason": "UN_AUTH_ONLINE_PURCHASE"
    }
  ],
  "financialAccountId": "7d08a89d-2ac5-4ed3-a6ca-ad7c974c994e",
  "disputeCaseNumber": "665423"
}