Dispute Case

Overview

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Transaction Reversal

A chargeback is a transaction reversal will occur, if a cardholder wins the dispute, providing consumer protection from fraudulent or disputed activity from merchants.

Dispute Case Status

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Note

The vast majority of disputes are resolved during the Initiated state. Disputes typically take 30-120 days to resolve. A dispute is won if the acquirer does not respond to the dispute within the expected timeline. Expected timelines vary according to the card network, which are defined in their respective 30-day service level agreement (SLA) timelines

Dispute Case Flow

1. In order for there to be a dispute, the transaction must first be clear.
2. The user creates a dispute case to dispute the transaction on behalf of the cardholder, the status is Open.
3. The card issuer assesses the dispute claim and may request additional information or documentation from the cardholder to support their case.
4. In some cases, the issuer may provide a temporary credit to the cardholder while the investigation is ongoing. This is often done to provide the cardholder with relief during the dispute process.
5. The acquiring bank reviews the information provided by the merchant and may submit a response to the issuer.
6. The card issuer evaluates all the information from the cardholder, merchant, and acquiring bank to make a decision regarding the dispute. They may either uphold the dispute or reject it based on the evidence presented.
7. If the dispute is upheld, the cardholder may receive a permanent credit. If the dispute is rejected, the temporary credit provided earlier may be reversed, and the cardholder is responsible for the disputed amount.

API Endpoint

The create new Dispute Case API endpoint is:

http://api-dev.accelerationcloud.com/api/v1/cores/card-issue/disputes

HTTP Method

Use the HTTP POST method to initiate a new card program.

Request Headers

Include the following headers in your API request:

Authorization: Provide your API key/token for authentication.
Content-Type: Set this to application/json to indicate the request body format.

Request Body

The request body should be a JSON object with the following fields:

• transactionId: A unique identifier for the disputed transaction.
• cardNumber: The last four digits of the card number to identify the card used in the transaction.
• transactionAmount: The amount of the disputed transaction.
• disputeReason: A code or description indicating the reason for the dispute (e.g., "UnauthorizedTransaction").
• cardholderName: The name of the cardholder.
• billingAddress: An object containing the billing address details.
• additionalDetails: Additional information or comments from the cardholder about the dispute.
• attachment: This field may contain a base64-encoded image or document supporting the dispute (e.g., a scanned receipt).

Example request body:

{
  "transactionId": "1234567890",
  "cardNumber": "**** **** **** 1234",
  "transactionAmount": 50.00,
  "disputeReason": "UnauthorizedTransaction",
  "cardholderName": "John Doe",
  "billingAddress": {
    "street": "123 Main St",
    "city": "Anytown",
    "state": "CA",
    "postalCode": "12345",
    "country": "US"
  },
  "additionalDetails": "I did not make this purchase.",
  "attachment": "base64-encoded-image-or-document"
}

Response Format

The response will be in JSON format and will include information about the cancellation request status.

Example response:

{
  "status": "Submitted",
  "case_id":"450012",
  "create_date":"11/12/2023 12:42:09"
}