Dispute Transaction

patch
https://api.synapsefi.com
/v3.1/users/:user_id/nodes/:node_id/trans/:tran_id/dispute
Dispute
Card Transactions
If you wish to learn more about Card Disputes, see: Card Disputes Guide.
Dispute Reason Codes
Dispute Reason Code by Network
Dispute Reason Codes are formatted as DISPUTE TYPE|DESCRIPTION.
Mastercard
Dispute Reason Code
Reason Code
FRAUD|UNAUTHORIZED|CARD_IN_HAND
4837
FRAUD|UNAUTHORIZED|CARD_LOST
4837
FRAUD|UNAUTHORIZED|CARD_IN_HAND|SHARED
4837
FRAUD|UNAUTHORIZED|CARD_IN_HAND|NOT_SHARED
4837
FRAUD|FRAUDULENT_PROCESSING_OF_TRANSACTIONS
4840
FRAUD|QUESTIONABLE_MERCHANT_ACTIVITY
4849
FRAUD|CARDHOLDER_DOES_NOT_RECOGNIZE_POTENTIAL_FRAUD
4863
FRAUD|CHIP_LIABILITY_SHIFT
4870
FRAUD|CHIP_LIABILITY_SHIFT|LOST|STOLEN|NRI
4871
​
PROCESSING_ERROR|CORRECTION|TERMINAL_MALFUNCTION
2000
PROCESSING_ERROR|WARNING_BULLETIN_FILE
4807
PROCESSING_ERROR|AUTHORIZATION_RELATED_CHARGEBACK
4808
PROCESSING_ERROR|ACCOUNT_NUMBER_NOT_ON_FILE
4812
PROCESSING_ERROR|INCORRECT_AMOUNT
4831
PROCESSING_ERROR|CHARGED_TWICE
4831
PROCESSING_ERROR|CHARGED_TWICE|CREDIT_NOT_PROCESSED|DUPLICATE
4831
PROCESSING_ERROR|CHARGED_TWICE|CREDIT_NOT_PROCESSED|PAID_BY_OTHER_MEANS
4831
PROCESSING_ERROR|POINT_OF_INTERACTION_ERROR
4834
PROCESSING_ERROR|CANCEL_RECURRING_PMT
4841
PROCESSING_ERROR|LATE_PRESENTMENT
4842
PROCESSING_ERROR|INCORRECT_CURRENCY
4846
PROCESSING_ERROR|INSTALLMENT_BILLING_DISPUTE
4850
PROCESSING_ERROR|CHARGE_BACK
4853
PROCESSING_ERROR|ADDENDUM_NO_SHO_ATM_DISPUTE
4859
PROCESSING_ERROR|INCORRECT_AMOUNT|ATM
4859
PROCESSING_ERROR|CREDIT_NOT_PROCESSED
4860
PROCESSING_ERROR|CHIP_READ_POS_LATE_PRESENTMENT
4880
PROCESSING_ERROR|DOMESTIC_CHARGEBACK_INTRAR_EUROPEAN_USE
4999
​
SERVICE|MERCHANT|DEFECT_OR_NOT_AS_DESC
4853
SERVICE|MERCHANT|NOT_RECEIVED
4853
SERVICE|MERCHANT|QUALITY
4853
SERVICE|MERCHANT|DAMAGED_MERCH
4853
SERVICE|MERCHANT|RETURNED_MERCH
4853
SERVICE|CARDHOLDER_DISPUTE
4853
SERVICE|CARDHOLDER_DISPUTE|NOT_ELSEWHERE_CLASSIFIED
4854
SERVICE|GOODS_OR_SERVICES_NOT_PROVIDED
4855
Maestro
Dispute Reason Code
Reason Code
FRAUD|UNAUTHORIZED|CARD_IN_HAND
37
FRAUD|UNAUTHORIZED|CARD_LOST
37
FRAUD|UNAUTHORIZED|CARD_IN_HAND|SHARED
37
FRAUD|UNAUTHORIZED|CARD_IN_HAND|NOT_SHARED
37
FRAUD|CHIP_LIABILITY_SHIFT
70
FRAUD|NO_CARDHOLDER_AUTHORIZATION
74
​
PROCESSING_ERROR|CHARGED_TWICE
13
PROCESSING_ERROR|CASH_DISPUTE|ATM_ONLY
17
PROCESSING_ERROR|CARDHOLDER_DISPUTED_AMOUNT
30
PROCESSING_ERROR|INCORRECT_AMOUNT|ATM
31
PROCESSING_ERROR|CHARGED_TWICE|CREDIT_NOT_PROCESSED|DUPLICATE
34
PROCESSING_ERROR|CHARGED_TWICE|CREDIT_NOT_PROCESSED|PAID_BY_OTHER_MEANS
34
PROCESSING_ERROR|CANCEL_RECURRING_PMT
41
PROCESSING_ERROR|CREDIT_NOT_PROCESSED
60
PROCESSING_ERROR|INCORRECT_AMOUNT
71
PROCESSING_ERROR|DUPLICATE_TRANSACTION
73
PROCESSING_ERROR|CREDIT_NOT_RECEIVED
75
PROCESSING_ERROR|LATE_PRESENTMENT
80
PROCESSING_ERROR|INVALID_ADJUSTMENT_AMOUNT
95
PROCESSING_ERROR|INVALID_ADJUSTMENT_AMOUNT|INSUFFICIENT_FUNDS
96
​
SERVICE|CHARGE_BACK
53
SERVICE|MERCHANT|QUALITY
53
SERVICE|MERCHANT|DAMAGED_MERCH
53
SERVICE|MERCHANT|RETURNED_MERCH
53
SERVICE|MERCHANT|DEFECT_OR_NOT_AS_DESC
53
SERVICE|NON_RECEIPT_OF_MERCHANDISE
55
SERVICE|MERCHANT|NOT_RECEIVED
79
Pulse
Dispute Reason Code
Reason Code
FRAUD|UNAUTHORIZED|CARD_IN_HAND
4537
FRAUD|UNAUTHORIZED|CARD_LOST
4537
FRAUD|UNAUTHORIZED|CARD_IN_HAND|SHARED
4537
FRAUD|UNAUTHORIZED|CARD_IN_HAND|NOT_SHARED
4537
FRAUD|CARD_PRESENT_TRANSACTION
4537
FRAUD|UNAUTHORIZED_PURCHASE
4540
FRAUD|CHARGE_BACK
4752
FRAUD|CHIP_CARD_COUNTERFEIT_TRANSACTION
4866
FRAUD|CHIP_CARD_AND_PIN_TRANSACTION
4867
FRAUD|CARD_NOT_PRESENT_TRANSACTION
4868
​
PROCESSING_ERROR|CORRECTION|TERMINAL_MALFUNCTION
2000
PROCESSING_ERROR|INVALID_CARDHOLDER_NUMBER
4512
PROCESSING_ERROR|DUPLICATE_PROCESSING
4534
PROCESSING_ERROR|CANCEL_RECURRING_PMT
4541
PROCESSING_ERROR|AUTHORIZATION|LATE_PRESENTMENT
4542
PROCESSING_ERROR|INCORRECT_TRANSACTION_TYPE
4550
PROCESSING_ERROR|CREDIT_NOT_PROCESSED
4560
PROCESSING_ERROR|ALTERED_AMOUNT
4586
PROCESSING_ERROR|INCORRECT_AMOUNT
4586
PROCESSING_ERROR|NON_RECEIPT_OF_CASH_FROM_ATM
4590
PROCESSING_ERROR|CHARGED_TWICE
4831
PROCESSING_ERROR|CHARGED_TWICE|CREDIT_NOT_PROCESSED|DUPLICATE
4831
PROCESSING_ERROR|CHARGED_TWICE|CREDIT_NOT_PROCESSED|PAID_BY_OTHER_MEANS
4831
PROCESSING_ERROR|INCORRECT_AMOUNT|ATM
4859
PROCESSING_ERROR|PAID_BY_OTHER_MEANS
4865
​
SERVICE|QUALITY_OF_GOODS_AND_SERVICES
4553
SERVICE|NON_RECEIPT_OF_GOODS_AND_SERVICE
4555
SERVICE|MERCHANT|NOT_RECEIVED
4853
SERVICE|MERCHANT|QUALITY
4853
SERVICE|MERCHANT|DAMAGED_MERCH
4853
SERVICE|MERCHANT|RETURNED_MERCH
4853
Legacy Dispute Reason Lookup
Below is the table of legacy dispute reason codes.
Code
Description
Chargeback‎_Rights
INCORRECT_AMOUNT
Incorrect Amount was charged on the card.
Yes. No if the transaction is a VALID EMV transaction.
INCORRECT_AMOUNT|ATM
User attempted to withdraw money from ATM and received incorrect amount.
Yes, but only for the amount not dispensed.
UNAUTHORIZED|CARD_LOST
Unauthorized transaction made and user has reported a lost or stolen card.
Yes. No if the transaction is a VALID EMV transaction or online transaction as this defaults to chip-liability shift, which is not applicable to MOTO transactions, or at an ATM.
UNAUTHORIZED|CARD_IN_HAND|SHARED
Unauthorized transaction made while user has card in their possession and card is shared with other users.
Yes. No if the transaction is a VALID EMV transaction, or disputed transactions was authorized by other users of the card, or at an ATM.
UNAUTHORIZED|CARD_IN_HAND|NOT_SHARED
Unauthorized transaction made while user has card in their possession and card is not shared with other users.
Yes. No if the transaction is a VALID EMV transaction, or at an ATM.
CHARGED_TWICE|CREDIT_NOT_PROCESSED|DUPLICATE
There was a duplicate transaction but the merchant did not process a credit to correct the error. This typically occurs when when a merchant a merchant fails to correct a previously acknowledged error. This can also occur when a cardholder attempts to return a purchased item or cancel services but is not compliant with the merchant's return policy (e.g. expired receipt or warranty issue).
Yes. No if the transaction is a VALID EMV transaction, or no duplicate posts to same account.
CHARGED_TWICE|CREDIT_NOT_PROCESSED|PAID_BY_OTHER_MEANS
There was a duplicate transaction in which the original debit settled on the card even though the original card transaction was canceled. Occurs when the cardholder chose to use another payment method (e.g. cash or a different card).
Yes. No if the transaction is a VALID EMV transaction, or there is not supporting evidence of a charge elsewhere.
CANCEL_RECURRING_PMT
Canceling recurring payment (i.e. a recurring payment was debited after cancellation).
Yes. No if the transaction is a VALID EMV transaction, or cancellation was within three days of charge authorization.
MERCHANT|DEFECT_OR_NOT_AS_DESC
Merchandise/service not as described or defective merchandise/service.
Yes. No if the transaction is a VALID EMV transaction.
MERCHANT|NOT_RECEIVED
Did not receive merchandise or services (not a quality issue).
Yes. No if the transaction is a VALID EMV transaction, or if merchant hasn't been allowed 15 calendar days for items to arrive or to provide a date of expected arrival.
MERCHANT|QUALITY
Issue with quality of services or merchandise.
Yes. No if the transaction is a VALID EMV transaction, or services were paid for after service was rendered.
MERCHANT|DAMAGED_MERCH
Damaged merchandise.
Yes. No if the transaction is a VALID EMV transaction.
MERCHANT|RETURNED_MERCH
Returned merchandise.
Yes. No if the transaction is a VALID EMV transaction, or there is no supporting evidence of a return.
FRAUD|FRAUDULENT_PROCESSING_OF_TRANSACTIONS
Authorized card-present transaction with a merchant but received additional non-authorized transactions within the following fifteen minutes.
Yes. No if proof can be provided that a refund was issued or provide evidence that additional transactions are authorized.
FRAUD|QUESTIONABLE_MERCHANT_ACTIVITY
Merchant is suspected of fraud by Mastercard, and has been placed under the Global Merchant Audit Program.  
Yes. No if merchant is not on Global Merchant Audit Program.
FRAUD|CARDHOLDER_DOES_NOT_RECOGNIZE_POTENTIAL_FRAUD
User claims they do not recognize a transaction and the transaction is a Card-not-Present transaction
Yes. No if merchant can verify the card was present for transaction.
FRAUD|AUTHORIZATION_RELATED_CHARGEBACK
Merchant did not get authorization for a transaction, or authorization was sent after the transaction date.
Yes. No if proof can be provided that authorization was obtained and authorization date request was not after the transaction date. 
Dispute Meta
Currently Dispute Meta is only required for Card Transaction. Following are the fields allowed in dispute_meta:
Key
Type            
Required Dispute Reasons
Description                                                                
amount_debited
Float
INCORRECT_AMOUNT
Amount debited in Number.
amount_received
Float
INCORRECT_AMOUNT|ATM
Amount received in Number.
lost_date
Int
UNAUTHORIZED|CARD_LOST
Date lost (milliseconds since Unix epoch time).
how_lost
String
UNAUTHORIZED|CARD_LOST
Description of how card was lost or stolen.
last_use
String
UNAUTHORIZED|CARD_IN_HAND|SHARED
UNAUTHORIZED|CARD_IN_HAND|NOT_SHARED
Transaction ID for last use of card (i.e. need transaction ID to know where and when card was last used).
people_allowed_use
String
UNAUTHORIZED|CARD_IN_HAND|SHARED
Person(s) who cardholder shared card with (i.e. allowed to use card) and their relationship(s) with cardholder.
contact_date
Object with $date attribute
CANCEL_RECURRING_PMT
Contact date (milliseconds since Unix epoch time).
contact_method
String
CANCEL_RECURRING_PMT
Contact method (e.g. PHONE).
trans_on_same_card
Boolean
CHARGED_TWICE|CREDIT_NOT_PROCESSED|DUPLICATE
CHARGED_TWICE|CREDIT_NOT_PROCESSED|PAID_BY_OTHER_MEANS
Are both transactions on the same card? true or false.

Proof of other transaction required in dispute_attachments
merch_given_attempt_to_resolve
Boolean
CHARGED_TWICE|CREDIT_NOT_PROCESSED|DUPLICATE
CHARGED_TWICE|CREDIT_NOT_PROCESSED|PAID_BY_OTHER_MEANS MERCHANT|RETURNED_MERCH
Was the merchant given the chance to resolve? true or false.
contact_name
String
CANCEL_RECURRING_PMT
Name of contact.
contact_response
String
CANCEL_RECURRING_PMT
Response from contact.
merch_item_desc
String
MERCHANT|DEFECT_OR_NOT_AS_DESC MERCHANT|RETURNED_MERCH
Description of the merchandise
date_received
Int
MERCHANT|DEFECT_OR_NOT_AS_DESC
Date merchandise/item was received
matched_verbal_or_written_desc
Boolean
MERCHANT|DEFECT_OR_NOT_AS_DESC
Did the item or service not match the verbal description
matched_receipt_desc
Boolean
MERCHANT|DEFECT_OR_NOT_AS_DESC
Did the item or service differ from as described on the receipt
merchandise_received_as_part_of_transaction
Boolean
MERCHANT|DEFECT_OR_NOT_AS_DESC
Was Merchandise Received as Part of Transaction
order_canceled
Boolean
MERCHANT|NOT_RECEIVED MERCHANT|RETURNED_MERCH
Was the order canceled
expected_arrival_date
Int
MERCHANT|NOT_RECEIVED
Date when it was expected to arrive
was_item_delivered
Boolean
MERCHANT|NOT_RECEIVED
Was item delivered
prepaid_item
Boolean
MERCHANT|NOT_RECEIVED
Was this item a prepaid item
recurring_payment
Boolean
MERCHANT|RETURNED_MERCH
Was this a recurring payment
merch_returned
Boolean
MERCHANT|RETURNED_MERCH
Was the merchandise returned
merch_returned_attempted
Boolean
MERCHANT|RETURNED_MERCH
Was the merchandise attempted to be returned
reason
String
MERCHANT|RETURNED_MERCH
Reason for Return or cancelation
cancel_policy_provided
Boolean
MERCHANT|RETURNED_MERCH
Was a cancelation Policy provided
ACH Transactions
Dispute Reasons
Code
Description
R07
Authorization Revoked by Customer
R08
Payment Stopped
R10
Customer Advises Not Authorized
R29
Corporate Customer Advises Not Authorized
R23
Credit Refused by Receiver
Example Request
HTTP
cURL
Python
JS
PHP
GO
PATCH /v3.1/users/605a7a6a7562967ff8c12413/nodes/605125f47e08875d713557ed/trans/6045135016ba41408ece9c25/dispute HTTP/1.1
Host: uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_xg3WXDFu5jNRLlz1ohf6qsU0waJ4BGYbMdrC07pO|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json
​
{
  "dispute_reason": "CHARGE_BACK",
  "dispute_meta": {
    "type_of_merchandise_or_service": "groceries",
    "merchant_contacted": true,
    "contact_method": "phone",
    "contact_date": 1563474864000
  },
  "dispute_attachments": [
    "data:image/gif;base64,SUQs=="
  ]
}
curl --location --request PATCH 'https://uat-api.synapsefi.com/v3.1/users/605a7a6a7562967ff8c12413/nodes/605125f47e08875d713557ed/trans/6045135016ba41408ece9c25/dispute' \
--header 'X-SP-USER-IP: 255.127.79.76' \
--header 'X-SP-USER: oauth_xg3WXDFu5jNRLlz1ohf6qsU0waJ4BGYbMdrC07pO|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
--header 'Content-Type: application/json' \
--data-raw '{
  "dispute_reason": "CHARGE_BACK",
  "dispute_meta": {
    "type_of_merchandise_or_service": "groceries",
    "merchant_contacted": true,
    "contact_method": "phone",
    "contact_date": 1563474864000
  },
  "dispute_attachments": [
    "data:image/gif;base64,SUQs=="
  ]
}'
//
//
//
//
​

Dispute Reason Code	Reason Code
FRAUD\|UNAUTHORIZED\|CARD_IN_HAND	4837
FRAUD\|UNAUTHORIZED\|CARD_LOST	4837
FRAUD\|UNAUTHORIZED\|CARD_IN_HAND\|SHARED	4837
FRAUD\|UNAUTHORIZED\|CARD_IN_HAND\|NOT_SHARED	4837
FRAUD\|FRAUDULENT_PROCESSING_OF_TRANSACTIONS	4840
FRAUD\|QUESTIONABLE_MERCHANT_ACTIVITY	4849
FRAUD\|CARDHOLDER_DOES_NOT_RECOGNIZE_POTENTIAL_FRAUD	4863
FRAUD\|CHIP_LIABILITY_SHIFT	4870
FRAUD\|CHIP_LIABILITY_SHIFT\|LOST\|STOLEN\|NRI	4871

PROCESSING_ERROR\|CORRECTION\|TERMINAL_MALFUNCTION	2000
PROCESSING_ERROR\|WARNING_BULLETIN_FILE	4807
PROCESSING_ERROR\|AUTHORIZATION_RELATED_CHARGEBACK	4808
PROCESSING_ERROR\|ACCOUNT_NUMBER_NOT_ON_FILE	4812
PROCESSING_ERROR\|INCORRECT_AMOUNT	4831
PROCESSING_ERROR\|CHARGED_TWICE	4831
PROCESSING_ERROR\|CHARGED_TWICE\|CREDIT_NOT_PROCESSED\|DUPLICATE	4831
PROCESSING_ERROR\|CHARGED_TWICE\|CREDIT_NOT_PROCESSED\|PAID_BY_OTHER_MEANS	4831
PROCESSING_ERROR\|POINT_OF_INTERACTION_ERROR	4834
PROCESSING_ERROR\|CANCEL_RECURRING_PMT	4841
PROCESSING_ERROR\|LATE_PRESENTMENT	4842
PROCESSING_ERROR\|INCORRECT_CURRENCY	4846
PROCESSING_ERROR\|INSTALLMENT_BILLING_DISPUTE	4850
PROCESSING_ERROR\|CHARGE_BACK	4853
PROCESSING_ERROR\|ADDENDUM_NO_SHO_ATM_DISPUTE	4859
PROCESSING_ERROR\|INCORRECT_AMOUNT\|ATM	4859
PROCESSING_ERROR\|CREDIT_NOT_PROCESSED	4860
PROCESSING_ERROR\|CHIP_READ_POS_LATE_PRESENTMENT	4880
PROCESSING_ERROR\|DOMESTIC_CHARGEBACK_INTRAR_EUROPEAN_USE	4999

SERVICE\|MERCHANT\|DEFECT_OR_NOT_AS_DESC	4853
SERVICE\|MERCHANT\|NOT_RECEIVED	4853
SERVICE\|MERCHANT\|QUALITY	4853
SERVICE\|MERCHANT\|DAMAGED_MERCH	4853
SERVICE\|MERCHANT\|RETURNED_MERCH	4853
SERVICE\|CARDHOLDER_DISPUTE	4853
SERVICE\|CARDHOLDER_DISPUTE\|NOT_ELSEWHERE_CLASSIFIED	4854
SERVICE\|GOODS_OR_SERVICES_NOT_PROVIDED	4855

Dispute Reason Code	Reason Code
FRAUD\|UNAUTHORIZED\|CARD_IN_HAND	37
FRAUD\|UNAUTHORIZED\|CARD_LOST	37
FRAUD\|UNAUTHORIZED\|CARD_IN_HAND\|SHARED	37
FRAUD\|UNAUTHORIZED\|CARD_IN_HAND\|NOT_SHARED	37
FRAUD\|CHIP_LIABILITY_SHIFT	70
FRAUD\|NO_CARDHOLDER_AUTHORIZATION	74

PROCESSING_ERROR\|CHARGED_TWICE	13
PROCESSING_ERROR\|CASH_DISPUTE\|ATM_ONLY	17
PROCESSING_ERROR\|CARDHOLDER_DISPUTED_AMOUNT	30
PROCESSING_ERROR\|INCORRECT_AMOUNT\|ATM	31
PROCESSING_ERROR\|CHARGED_TWICE\|CREDIT_NOT_PROCESSED\|DUPLICATE	34
PROCESSING_ERROR\|CHARGED_TWICE\|CREDIT_NOT_PROCESSED\|PAID_BY_OTHER_MEANS	34
PROCESSING_ERROR\|CANCEL_RECURRING_PMT	41
PROCESSING_ERROR\|CREDIT_NOT_PROCESSED	60
PROCESSING_ERROR\|INCORRECT_AMOUNT	71
PROCESSING_ERROR\|DUPLICATE_TRANSACTION	73
PROCESSING_ERROR\|CREDIT_NOT_RECEIVED	75
PROCESSING_ERROR\|LATE_PRESENTMENT	80
PROCESSING_ERROR\|INVALID_ADJUSTMENT_AMOUNT	95
PROCESSING_ERROR\|INVALID_ADJUSTMENT_AMOUNT\|INSUFFICIENT_FUNDS	96

SERVICE\|CHARGE_BACK	53
SERVICE\|MERCHANT\|QUALITY	53
SERVICE\|MERCHANT\|DAMAGED_MERCH	53
SERVICE\|MERCHANT\|RETURNED_MERCH	53
SERVICE\|MERCHANT\|DEFECT_OR_NOT_AS_DESC	53
SERVICE\|NON_RECEIPT_OF_MERCHANDISE	55
SERVICE\|MERCHANT\|NOT_RECEIVED	79

Dispute Reason Code	Reason Code
FRAUD\|UNAUTHORIZED\|CARD_IN_HAND	4537
FRAUD\|UNAUTHORIZED\|CARD_LOST	4537
FRAUD\|UNAUTHORIZED\|CARD_IN_HAND\|SHARED	4537
FRAUD\|UNAUTHORIZED\|CARD_IN_HAND\|NOT_SHARED	4537
FRAUD\|CARD_PRESENT_TRANSACTION	4537
FRAUD\|UNAUTHORIZED_PURCHASE	4540
FRAUD\|CHARGE_BACK	4752
FRAUD\|CHIP_CARD_COUNTERFEIT_TRANSACTION	4866
FRAUD\|CHIP_CARD_AND_PIN_TRANSACTION	4867
FRAUD\|CARD_NOT_PRESENT_TRANSACTION	4868

PROCESSING_ERROR\|CORRECTION\|TERMINAL_MALFUNCTION	2000
PROCESSING_ERROR\|INVALID_CARDHOLDER_NUMBER	4512
PROCESSING_ERROR\|DUPLICATE_PROCESSING	4534
PROCESSING_ERROR\|CANCEL_RECURRING_PMT	4541
PROCESSING_ERROR\|AUTHORIZATION\|LATE_PRESENTMENT	4542
PROCESSING_ERROR\|INCORRECT_TRANSACTION_TYPE	4550
PROCESSING_ERROR\|CREDIT_NOT_PROCESSED	4560
PROCESSING_ERROR\|ALTERED_AMOUNT	4586
PROCESSING_ERROR\|INCORRECT_AMOUNT	4586
PROCESSING_ERROR\|NON_RECEIPT_OF_CASH_FROM_ATM	4590
PROCESSING_ERROR\|CHARGED_TWICE	4831
PROCESSING_ERROR\|CHARGED_TWICE\|CREDIT_NOT_PROCESSED\|DUPLICATE	4831
PROCESSING_ERROR\|CHARGED_TWICE\|CREDIT_NOT_PROCESSED\|PAID_BY_OTHER_MEANS	4831
PROCESSING_ERROR\|INCORRECT_AMOUNT\|ATM	4859
PROCESSING_ERROR\|PAID_BY_OTHER_MEANS	4865

SERVICE\|QUALITY_OF_GOODS_AND_SERVICES	4553
SERVICE\|NON_RECEIPT_OF_GOODS_AND_SERVICE	4555
SERVICE\|MERCHANT\|NOT_RECEIVED	4853
SERVICE\|MERCHANT\|QUALITY	4853
SERVICE\|MERCHANT\|DAMAGED_MERCH	4853
SERVICE\|MERCHANT\|RETURNED_MERCH	4853

Last modified 5d ago

Code	Description	Chargeback‎_Rights
`INCORRECT_AMOUNT`	Incorrect Amount was charged on the card.	Yes. No if the transaction is a VALID EMV transaction.
`INCORRECT_AMOUNT\|ATM`	User attempted to withdraw money from ATM and received incorrect amount.	Yes, but only for the amount not dispensed.
`UNAUTHORIZED\|CARD_LOST`	Unauthorized transaction made and user has reported a lost or stolen card.	Yes. No if the transaction is a VALID EMV transaction or online transaction as this defaults to chip-liability shift, which is not applicable to MOTO transactions, or at an ATM.
`UNAUTHORIZED\|CARD_IN_HAND\|SHARED`	Unauthorized transaction made while user has card in their possession and card is shared with other users.	Yes. No if the transaction is a VALID EMV transaction, or disputed transactions was authorized by other users of the card, or at an ATM.
`UNAUTHORIZED\|CARD_IN_HAND\|NOT_SHARED`	Unauthorized transaction made while user has card in their possession and card is not shared with other users.	Yes. No if the transaction is a VALID EMV transaction, or at an ATM.
`CHARGED_TWICE\|CREDIT_NOT_PROCESSED\|DUPLICATE`	There was a duplicate transaction but the merchant did not process a credit to correct the error. This typically occurs when when a merchant a merchant fails to correct a previously acknowledged error. This can also occur when a cardholder attempts to return a purchased item or cancel services but is not compliant with the merchant's return policy (e.g. expired receipt or warranty issue).	Yes. No if the transaction is a VALID EMV transaction, or no duplicate posts to same account.
`CHARGED_TWICE\|CREDIT_NOT_PROCESSED\|PAID_BY_OTHER_MEANS`	There was a duplicate transaction in which the original debit settled on the card even though the original card transaction was canceled. Occurs when the cardholder chose to use another payment method (e.g. cash or a different card).	Yes. No if the transaction is a VALID EMV transaction, or there is not supporting evidence of a charge elsewhere.
`CANCEL_RECURRING_PMT`	Canceling recurring payment (i.e. a recurring payment was debited after cancellation).	Yes. No if the transaction is a VALID EMV transaction, or cancellation was within three days of charge authorization.
`MERCHANT\|DEFECT_OR_NOT_AS_DESC`	Merchandise/service not as described or defective merchandise/service.	Yes. No if the transaction is a VALID EMV transaction.
`MERCHANT\|NOT_RECEIVED`	Did not receive merchandise or services (not a quality issue).	Yes. No if the transaction is a VALID EMV transaction, or if merchant hasn't been allowed 15 calendar days for items to arrive or to provide a date of expected arrival.
`MERCHANT\|QUALITY`	Issue with quality of services or merchandise.	Yes. No if the transaction is a VALID EMV transaction, or services were paid for after service was rendered.
`MERCHANT\|DAMAGED_MERCH`	Damaged merchandise.	Yes. No if the transaction is a VALID EMV transaction.
`MERCHANT\|RETURNED_MERCH`	Returned merchandise.	Yes. No if the transaction is a VALID EMV transaction, or there is no supporting evidence of a return.
`FRAUD\|FRAUDULENT_PROCESSING_OF_TRANSACTIONS`	Authorized card-present transaction with a merchant but received additional non-authorized transactions within the following fifteen minutes.	Yes. No if proof can be provided that a refund was issued or provide evidence that additional transactions are authorized.
`FRAUD\|QUESTIONABLE_MERCHANT_ACTIVITY`	Merchant is suspected of fraud by Mastercard, and has been placed under the Global Merchant Audit Program.	Yes. No if merchant is not on Global Merchant Audit Program.
`FRAUD\|CARDHOLDER_DOES_NOT_RECOGNIZE_POTENTIAL_FRAUD`	User claims they do not recognize a transaction and the transaction is a Card-not-Present transaction	Yes. No if merchant can verify the card was present for transaction.
`FRAUD\|AUTHORIZATION_RELATED_CHARGEBACK`	Merchant did not get authorization for a transaction, or authorization was sent after the transaction date.	Yes. No if proof can be provided that authorization was obtained and authorization date request was not after the transaction date.

Key	Type	Required Dispute Reasons	Description
`amount_debited`	Float	`INCORRECT_AMOUNT`	Amount debited in Number.
`amount_received`	Float	`INCORRECT_AMOUNT\|ATM`	Amount received in Number.
`lost_date`	Int	`UNAUTHORIZED\|CARD_LOST`	Date lost (milliseconds since Unix epoch time).
`how_lost`	String	`UNAUTHORIZED\|CARD_LOST`	Description of how card was lost or stolen.
`last_use`	String	`UNAUTHORIZED\|CARD_IN_HAND\|SHARED` `UNAUTHORIZED\|CARD_IN_HAND\|NOT_SHARED`	Transaction ID for last use of card (i.e. need transaction ID to know where and when card was last used).
`people_allowed_use`	String	`UNAUTHORIZED\|CARD_IN_HAND\|SHARED`	Person(s) who cardholder shared card with (i.e. allowed to use card) and their relationship(s) with cardholder.
`contact_date`	Object with $date attribute	`CANCEL_RECURRING_PMT`	Contact date (milliseconds since Unix epoch time).
`contact_method`	String	`CANCEL_RECURRING_PMT`	Contact method (e.g. `PHONE`).
`trans_on_same_card`	Boolean	`CHARGED_TWICE\|CREDIT_NOT_PROCESSED\|DUPLICATE` `CHARGED_TWICE\|CREDIT_NOT_PROCESSED\|PAID_BY_OTHER_MEANS`	Are both transactions on the same card? `true` or `false`. Proof of other transaction required in `dispute_attachments`
`merch_given_attempt_to_resolve`	Boolean	`CHARGED_TWICE\|CREDIT_NOT_PROCESSED\|DUPLICATE` `CHARGED_TWICE\|CREDIT_NOT_PROCESSED\|PAID_BY_OTHER_MEANS MERCHANT\|RETURNED_MERCH`	Was the merchant given the chance to resolve? `true` or `false`.
`contact_name`	String	`CANCEL_RECURRING_PMT`	Name of contact.
`contact_response`	String	`CANCEL_RECURRING_PMT`	Response from contact.
`merch_item_desc`	String	`MERCHANT\|DEFECT_OR_NOT_AS_DESC MERCHANT\|RETURNED_MERCH`	Description of the merchandise
`date_received`	Int	`MERCHANT\|DEFECT_OR_NOT_AS_DESC`	Date merchandise/item was received
`matched_verbal_or_written_desc`	Boolean	`MERCHANT\|DEFECT_OR_NOT_AS_DESC`	Did the item or service not match the verbal description
`matched_receipt_desc`	Boolean	`MERCHANT\|DEFECT_OR_NOT_AS_DESC`	Did the item or service differ from as described on the receipt
merchandise_received_as_part_of_transaction	Boolean	`MERCHANT\|DEFECT_OR_NOT_AS_DESC`	Was Merchandise Received as Part of Transaction
`order_canceled`	Boolean	`MERCHANT\|NOT_RECEIVED MERCHANT\|RETURNED_MERCH`	Was the order canceled
`expected_arrival_date`	Int	`MERCHANT\|NOT_RECEIVED`	Date when it was expected to arrive
`was_item_delivered`	Boolean	`MERCHANT\|NOT_RECEIVED`	Was item delivered
`prepaid_item`	Boolean	`MERCHANT\|NOT_RECEIVED`	Was this item a prepaid item
`recurring_payment`	Boolean	`MERCHANT\|RETURNED_MERCH`	Was this a recurring payment
`merch_returned`	Boolean	`MERCHANT\|RETURNED_MERCH`	Was the merchandise returned
`merch_returned_attempted`	Boolean	`MERCHANT\|RETURNED_MERCH`	Was the merchandise attempted to be returned
`reason`	String	`MERCHANT\|RETURNED_MERCH`	Reason for Return or cancelation
`cancel_policy_provided`	Boolean	`MERCHANT\|RETURNED_MERCH`	Was a cancelation Policy provided

Code	Description
`R07`	Authorization Revoked by Customer
`R08`	Payment Stopped
`R10`	Customer Advises Not Authorized
`R29`	Corporate Customer Advises Not Authorized
`R23`	Credit Refused by Receiver