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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 maximum length of 255 characters.

The idempotency key identifies the request. By using the same idempotency key and parameters, you can safely retry a request (for example, if there’s a network error) 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 About Idempotent Calls.

Path Parameters

financialAccountId  REQUIRED

string (UUID)

ID of the integrated Financial Account. The issued card is linked to this Financial Account.

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

values when disputeType is UNAUTHORIZED: UN_AUTH_POS_TXN, UN_AUTH_ATM_WITHDRAWAL, UN_AUTH_ONLINE_PURCHASE, UN_CHARGE_AFTER_SUB_CANCELLED, CHARGE_WITHOUT_CONSENT

values when disputeType is MERCHANT_DISPUTE: ATM_REQ_NOT_FULFILLED, DOLLAR_AMT_SALE_INCR, DISPUTE_ON_ENTIRE_CHARGE, MERCH_NOT_RECEIVED, MERCH_RETURNED, ENCLOSING_EXPLANATION, DUP_TRANSACTION, CREDIT_SLIP_CHARGE_APPLIED, CREDIT_SLIP_CHARGE_NOT_APPLIED, HOTEL_RESERVE_CANCEL, RECEIVED_CANCEL_NUMBER, OTHERS, CHARGE_AFTER_SUB_CANCELLED, PAID_BY_OTR_MEANS

Reason for the transaction dispute.

The following values are supported for unauthorized transactions (disputeType is UNAUTHORIZED):

  • UN_AUTH_POS_TXN  Unauthorized point of sale (POS) transaction.
  • UN_AUTH_ATM_WITHDRAWAL  Unauthorized ATM withdrawal.
  • UN_AUTH_ONLINE_PURCHASE  Unauthorized online purchase.
  • UN_CHARGE_AFTER_SUB_CANCELLED  Charge after subscription cancellation.
  • CHARGE_WITHOUT_CONSENT  Charge without consent.

The following values are supported for merchant disputes (disputeType is MERCHANT_DISPUTE):

  • ATM_REQ_NOT_FULFILLED  ATM request was not fulfilled.
  • DOLLAR_AMT_SALE_INCR  Dollar amount sale was increased.
  • DISPUTE_ON_ENTIRE_CHARGE  Dispute on the entire charge or a portion of the charge.
  • MERCH_NOT_RECEIVED  Merchandise was not received.
  • MERCH_RETURNED  Merchandise was returned.
  • ENCLOSING_EXPLANATION  Enclosing explanation or did not receive merchandise or service.
  • DUP_TRANSACTION  Duplicate transaction.
  • 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.
  • HOTEL_RESERVE_CANCEL  Canceled hotel reservation.
  • RECEIVED_CANCEL_NUMBER  Received cancellation number.
  • OTHERS  Other reasons.
  • CHARGE_AFTER_SUB_CANCELLED  Charge after subscription cancelled.
  • PAID_BY_OTR_MEANS  Paid by other means.

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"
}