COMING SOON

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"
}