> ## Documentation Index > Fetch the complete documentation index at: https://docs.synctera.com/llms.txt > Use this file to discover all available pages before exploring further. # Create a dispute action > Create an action on a disputed transaction ## OpenAPI ````yaml openapi-v1.json post /disputes/{dispute_id}/actions openapi: 3.0.3 info: description: >- This is the official reference documentation for Synctera APIs. If you need something specific or have a question, contact us.

license: name: Apache 2.0 url: https://www.apache.org/licenses/LICENSE-2.0.html title: Synctera API version: 1.181.0 servers: - description: Production url: https://api.synctera.com/v1 - description: Sandbox (no real world financial impact) url: https://api-sandbox.synctera.com/v1 security: - bearerAuth: [] tags: - description: | Requests to create and manage Rewards name: Rewards (beta) - description: Requests to generate simulated webhooks name: Card Webhook Simulations - description: >- Testing endpoints to simulate in-store cash deposits. Available in sandbox environments only. name: In-Store Cash Deposit Simulations - description: Create and manage spending controls name: Spend Controls (beta) - description: Rates name: Rates - description: Requests to create and manage webhooks name: Webhooks - description: Tenant Config name: Tenant Config - description: FDX authentication and data transfer using Plaid Core Exchange name: Plaid Core Exchange (beta) - description: Create and manage disputes name: Disputes - description: Requests to simulate card payments name: Card Simulations - description: | Manage fee products and fee configs for automated fee collection name: Fee Products - description: Apple Pay APIs name: Apple Pay - description: Lending Config name: Lending Config - description: Payments related to lending accounts name: Payments - description: Manage negative balance processes name: Negative Balance - description: Configuration for mapping LoanPro events to Payola transaction parameters name: LoanPro Transaction Event Config - description: Requests to generate simulated transactions name: Cash Transaction Simulations (alpha) - description: Create and manage transactions name: Transactions (beta) - description: Autopay payment records for billing periods name: Autopays - description: Create and manage accounts name: Accounts - description: | Requests to create and manage batch payments name: Batch Payments (alpha) - description: Billing rates name: Billing Rates - description: Bank Delinquency Configuration name: Bank Delinquency Configuration - description: >- Rules that map a posted payment transaction (bank/partner + transaction attributes) to a regulatory payment code. NULL match columns act as wildcards. name: Payment Code Configuration - description: Create and manage Synctera Pay templates name: SyncteraPay - description: | Manage reward products and reward configs for automated cashback rewards name: Reward Products - description: Requests to create and manage card disputes name: Card Disputes - description: >- Per bank/partner account-type mapping to FFIEC collateral codes used for regulatory call report furnishment. name: Collateral Code Configuration - description: Bulk card issuance name: Bulk Issuance - description: Autopay configuration management for lending accounts name: Autopay Configs - description: Request to create and manage exclusions name: Statements - description: Create and manage barcodes for in-store cash deposits name: In-Store Cash Deposits - description: Customer Service Details for disputes and billing inquiries name: Customer Service Details - description: Create a credit application. name: Applications (beta) - description: Requests to generate simulated transactions name: Card Transaction Simulations - description: Billing period summaries name: Billing Period Summaries - description: Requests to issue and manage cards name: Cards - description: Push and pull from cards name: External Cards - description: | Requests to create and manage fees name: Fees (beta) paths: /disputes/{dispute_id}/actions: post: tags: - Disputes summary: Create a dispute action description: | Create an action on a disputed transaction operationId: createAction parameters: - $ref: '#/components/parameters/idempotency_key' - $ref: '#/components/parameters/dispute_id' requestBody: content: application/json: schema: $ref: '#/components/schemas/dispute_action_request' description: Details of the dispute action required: true responses: '201': content: application/json: schema: $ref: '#/components/schemas/dispute_action_response' description: Successfully created dispute action '400': $ref: '#/components/responses/bad_request' '401': $ref: '#/components/responses/unauthorized' '403': $ref: '#/components/responses/forbidden' '422': $ref: '#/components/responses/unprocessable_entity' '500': $ref: '#/components/responses/internal_server_error' components: parameters: idempotency_key: description: >- An idempotency key is an arbitrary unique value generated by client to detect subsequent retries of the same request. It is recommended that a UUID or a similar random identifier be used as an idempotency key. A different key must be used for each request, unless it is a retry. in: header name: Idempotency-Key schema: example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 type: string dispute_id: in: path name: dispute_id required: true schema: $ref: '#/components/schemas/dispute_id' schemas: dispute_action_request: discriminator: mapping: ACH: $ref: '#/components/schemas/ach_dispute_action' CARD: $ref: '#/components/schemas/card_dispute_action' EXTERNAL_CARD: $ref: '#/components/schemas/external_card_dispute_action' propertyName: payment_rail oneOf: - $ref: '#/components/schemas/ach_dispute_action' - $ref: '#/components/schemas/card_dispute_action' - $ref: '#/components/schemas/external_card_dispute_action' type: object dispute_action_response: discriminator: mapping: ACH: $ref: '#/components/schemas/ach_dispute_action_response' CARD: $ref: '#/components/schemas/card_dispute_action_response' EXTERNAL_CARD: $ref: '#/components/schemas/external_card_dispute_action_response' propertyName: payment_rail oneOf: - $ref: '#/components/schemas/ach_dispute_action_response' - $ref: '#/components/schemas/external_card_dispute_action_response' - $ref: '#/components/schemas/card_dispute_action_response' type: object dispute_id: description: The unique identifier of the dispute example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid type: string ach_dispute_action: description: Create an action against a disputed ACH transaction properties: action: $ref: '#/components/schemas/ach_action' message: description: | Message text related to ACH dispute action * Max length for debit transactions is 38 characters maxLength: 100 type: string payment_rail: $ref: '#/components/schemas/payment_rail' reason_code: $ref: '#/components/schemas/ach_dispute_reason_codes' return_code: $ref: '#/components/schemas/ach_dispute_return_codes' state: $ref: '#/components/schemas/ach_action_state' supporting_doc_id: description: The unique identifier of the supporting document example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid type: string required: - action - payment_rail - state title: ACH Action type: object card_dispute_action: description: Create an action against a disputed card transaction properties: action: $ref: '#/components/schemas/card_action' amount: description: > Optional amount for the action in cents. If not provided, defaults to the dispute amount. Amount is only applicable when creating actions (state: `CREATE`) and is only supported for specific action types (see table below); amounts provided for other action types or states will be ignored. | Action Type | Maximum Allowed Amount | | -------------------- | --------------------------------------- | | `CHARGEBACK` | Eligible chargeback amount from network | | `PROVISIONAL_CREDIT` | Dispute amount | | `WRITE_OFF` | Dispute amount | format: int64 minimum: 0 type: integer memo: description: | Memo text related to card dispute action * Required for PRE_ARBITRATION, ARBITRATION maxLength: 1000 type: string message: description: | Message text related to card dispute action maxLength: 100 type: string payment_rail: $ref: '#/components/schemas/payment_rail' reason_code: $ref: '#/components/schemas/card_dispute_reason_codes' state: $ref: '#/components/schemas/card_action_state' supporting_doc_id: description: The unique identifier of the supporting document example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid type: string updated_reason_code_memo: description: | Memo text describing the reason for updating a reason code. * Required for PRE_ARBITRATION and ARBITRATION if a reason code is provided in the request. If no reason code is present in the request, the original CHARGEBACK reason code will be used. maxLength: 1000 type: string required: - action - payment_rail - state title: Card Action type: object external_card_dispute_action: description: Create an action against a disputed external card transaction properties: action: $ref: '#/components/schemas/external_card_action' payment_rail: $ref: '#/components/schemas/payment_rail' state: $ref: '#/components/schemas/external_card_action_state' supporting_doc_id: description: | The unique identifier of the supporting document * Required for `REPRESENTMENT.CREATE` example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid type: string required: - action - payment_rail - state title: External Card Action type: object ach_dispute_action_response: description: Response for an ACH dispute action. properties: action: $ref: '#/components/schemas/ach_action' creation_time: description: The date and time the resource was created. example: '2010-05-06T12:23:34.321Z' format: date-time readOnly: true type: string id: description: The unique identifier of the dispute action example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid readOnly: true type: string message: description: Message text related to card dispute action maxLength: 100 type: string payment_rail: $ref: '#/components/schemas/payment_rail' reason_code: $ref: '#/components/schemas/ach_dispute_reason_codes' return_code: $ref: '#/components/schemas/ach_dispute_return_codes' status: $ref: '#/components/schemas/ach_dispute_action_status' supporting_doc_id: description: The unique identifier of the supporting document example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid readOnly: true type: string tenant: $ref: '#/components/schemas/tenant_id' required: - action - creation_time - id - payment_rail - status - tenant title: ACH Action type: object card_dispute_action_response: description: Response for a card dispute action. properties: action: $ref: '#/components/schemas/card_action' amount: description: The amount of the action in cents. format: int64 minimum: 0 type: integer creation_time: description: The timestamp representing when the object was created example: '2010-05-06T12:23:34.321Z' format: date-time readOnly: true type: string external_reference_id: description: Reference ID associated with the action on the external network. type: string id: description: The unique identifier of the dispute action example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid readOnly: true type: string memo: description: | Memo text related to card dispute action maxLength: 1000 type: string message: description: Message text related to card dispute action maxLength: 100 type: string payment_rail: $ref: '#/components/schemas/payment_rail' reason_code: $ref: '#/components/schemas/card_dispute_reason_codes' representment_reason_code: $ref: '#/components/schemas/card_dispute_representment_reason_code' status: $ref: '#/components/schemas/card_dispute_action_status' supporting_doc_id: description: The unique identifier of the supporting document example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid readOnly: true type: string tenant: $ref: '#/components/schemas/tenant_id' updated_reason_code_memo: description: | Memo text describing the reason for updating a reason code. maxLength: 1000 type: string required: - action - creation_time - id - payment_rail - status - tenant title: Card Action type: object external_card_dispute_action_response: description: Response for an external card dispute action. properties: action: $ref: '#/components/schemas/external_card_action' creation_time: description: The timestamp representing when the object was created example: '2010-05-06T12:23:34.321Z' format: date-time readOnly: true type: string id: description: The unique identifier of the dispute action example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid readOnly: true type: string payment_rail: $ref: '#/components/schemas/payment_rail' status: $ref: '#/components/schemas/external_card_dispute_action_status' supporting_doc_id: description: The unique identifier of the supporting document example: 7d943c51-e4ff-4e57-9558-08cab6b963c7 format: uuid readOnly: true type: string tenant: $ref: '#/components/schemas/tenant_id' required: - action - creation_time - id - payment_rail - status - tenant title: External Card Action type: object error: description: Synctera error responses in API v1 implement a custom error schema. properties: code: description: > A machine-readable string that identifies the error for programmatic use. example: BAD_REQUEST_BODY type: string detail: description: | A human-readable string explaining this particular error. example: 'Missing required fields: first_name, dob' type: string status: description: HTTP status code for this response example: 400 type: integer title: Synctera error response type: object ach_action: enum: - ACH_RETURN - STOP_PAYMENT type: string payment_rail: description: | A short string representing the payment rail of the dispute. enum: - ACH - CARD - EXTERNAL_CARD type: string ach_dispute_reason_codes: description: > | Reason Code | Description | |----------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | UNAUTHORIZED_TRANSACTION | A party claims that a transaction was not authorized by the account holder | | INCORRECT_TRANSACTION_AMOUNT | The amount of the ACH transaction does not match the agreed-upon or expected amount. | | DUPLICATE_TRANSACTION | The same transaction is processed more than once, leading to duplicate charges. | | MISTIMED_WITHDRAWAL | The timing of the transaction is not in accordance with the agreed-upon schedule, leading to a dispute. | | TRANSACTION_NOT_RECOGNIZED | The account holder does not recognize the transaction, possibly due to a mistake or fraudulent activity | enum: - DUPLICATE_TRANSACTION - INCORRECT_TRANSACTION_AMOUNT - MISTIMED_WITHDRAWAL - TRANSACTION_NOT_RECOGNIZED - UNAUTHORIZED_TRANSACTION type: string ach_dispute_return_codes: description: > This field is required for dispute action ACH_RETURN. Upon successful dispute resolution this return code will be used when sending the outgoing return. enum: - R05 - R07 - R10 - R29 - R34 - R51 type: string ach_action_state: enum: - ACCEPT - CREATE - MORE_INFO_REQUIRED - REJECT type: string card_action: enum: - ARBITRATION - CHARGEBACK - DISPUTE - EVIDENCE_GATHERING - PRE_ARBITRATION - PROVISIONAL_CREDIT - REPRESENTMENT - WRITE_OFF type: string card_dispute_reason_codes: description: > * NOTE: deprecated reason codes are accepted for backwards compatibility but will be mapped to their active equivalent reason codes by the API. | Reason Code | Status | Category | Mastercard Code | Documentation Required | Description | | -------------------------------- | ---------- | -------------------------- | --------------- | ---------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | NO_CARDHOLDER_AUTHORIZATION | Active | Fraud | 4837 | No | A fraudulent transaction was made without the cardholder's consent. | | QUESTIONABLE_MERCHANT_ACTIVITY | Active | Fraud | 4849 | No | The merchant is suspected of being involved in fraudulent activities or violating Mastercard rules. | | CHIP_LIABILITY_SHIFT | Active | Fraud | 4870 | No | A counterfeit card was used at a non-EMV-compliant terminal, and the merchant is held liable for the fraudulent transaction. | | CHIP_PIN_LIABILITY_SHIFT | Active | Fraud | 4871 | No | A lost or stolen chip card was used without PIN verification at a terminal that supports PIN, resulting in merchant liability for the fraudulent transaction. | | AUTHORIZATION_RELATED_CHARGEBACK | Active | Authorization | 4808 | No | A transaction was processed without obtaining proper authorization. | | POINT_OF_INTERACTION_ERROR | Active | Point-of-Interaction Error | 4834 | Yes | Processing errors such as ATM withdrawal discrepancies, duplicate transactions, late presentments, and amount discrepancies. | | CARDHOLDER_DISPUTE | Active | Cardholder Dispute | 4853 | Yes | Claims for goods and services not received, counterfeit products, recurring transactions, incomplete transactions, hotel no-show charges, and more. | | ATM_CASH_DISPUTE | Deprecated | N/A | N/A | N/A | Some or all funds debited from the cardholder's account as the result of an ATM withdrawal were not dispensed. | | CARD_LOST_STOLEN_NEVER_RECEIVED | Deprecated | N/A | N/A | N/A | The cardholder did not authorize the transaction and the card is no longer, or had never been, in the possession of the cardholder. | | COUNTERFEIT_GOODS | Deprecated | N/A | N/A | N/A | The cardholder claims that the goods were purported to be genuine, but were counterfeit. | | CREDIT_NOT_RECEIVED | Deprecated | N/A | N/A | N/A | The cardholder's account was not credited for a refund from a merchant or was inaccurately debited instead of credited. | | DEFECTIVE_GOODS_OR_SERVICES | Deprecated | N/A | N/A | N/A | Goods or services were either not as described or defective, including shipped merchandise was received damaged or not suitable for its intended purpose as well as the merchant didn't honour the terms and conditions of a contract. | | DISPUTE_OF_RECURRING_TRANSACTION | Deprecated | N/A | N/A | N/A | The cardholder notified the merchant to cancel the recurring transaction and the merchant continued to bill the cardholder or the cardholder was not aware they were agreeing to a recurring transaction. | | DUPLICATE_TRANSACTION | Deprecated | N/A | N/A | N/A | The same transaction has been processed more than once, resulting in duplicate charges. | | FRAUDULENT_PROCESSING | Deprecated | N/A | N/A | N/A | The cardholder is in possession and control of all valid cards, processed at least one legitimate face-to-face transaction, and denies making one or more additional face-to-face transactions at the same merchant location. | | GOODS_OR_SERVICES_NOT_PROVIDED | Deprecated | N/A | N/A | N/A | The cardholder has been debited for goods or services that were to be shipped, delivered or otherwise provided and were not received by the expected delivery date. | | LATE_PRESENTMENT | Deprecated | N/A | N/A | N/A | The transaction was authorized offline by the chip and submitted for clearing more than 7 calendar days after the transaction date. | | PAID_BY_OTHER_MEANS | Deprecated | N/A | N/A | N/A | The cardholder used a different form of payment for this specific transaction. (Mastercard pre-compliance/compliance only) | | TRANSACTION_AMOUNT_DIFFERS | Deprecated | N/A | N/A | N/A | The amount of the transaction does not match the agreed-upon or expected amount. | | TRANSACTION_DID_NOT_COMPLETE | Deprecated | N/A | N/A | N/A | The cardholder engaged in the transaction and claims it did not complete. Goods or services were not provided. | | TRANSACTION_NOT_RECOGNIZED | Deprecated | N/A | N/A | N/A | The account holder does not recognize the transaction, possibly due to mistake or fraud. | | UNAUTHORIZED_TRANSACTION | Deprecated | N/A | N/A | N/A | The transaction was not authorized by the account holder. | enum: - ATM_CASH_DISPUTE - AUTHORIZATION_RELATED_CHARGEBACK - CANCELED_OR_RETURNED - CARDHOLDER_DISPUTE - CARD_LOST_STOLEN_NEVER_RECEIVED - CHIP_LIABILITY_SHIFT - CHIP_PIN_LIABILITY_SHIFT - COUNTERFEIT_GOODS - CREDIT_NOT_RECEIVED - DEFECTIVE_GOODS_OR_SERVICES - DISPUTE_OF_RECURRING_TRANSACTION - DUPLICATE_TRANSACTION - FRAUD - FRAUDULENT_PROCESSING - GOODS_OR_SERVICES_NOT_PROVIDED - LATE_PRESENTMENT - NO_CARDHOLDER_AUTHORIZATION - PAID_BY_OTHER_MEANS - POINT_OF_INTERACTION_ERROR - QUESTIONABLE_MERCHANT_ACTIVITY - TRANSACTION_AMOUNT_DIFFERS - TRANSACTION_DID_NOT_COMPLETE - TRANSACTION_NOT_RECOGNIZED - UNAUTHORIZED_TRANSACTION type: string card_action_state: enum: - ACCEPT - COMPLETE - CREATE - LOST - NETWORK_REJECT - NETWORK_REJECT_REVERSAL - REBUT - REVERSE - WON type: string external_card_action: enum: - CHARGEBACK - PROVISIONAL_DEBIT - REPRESENTMENT type: string external_card_action_state: enum: - ACCEPT - CREATE - DECLINE - REVERSE type: string ach_dispute_action_status: description: > | Status | Description | |-----------|-------------------------------------------------------------------------------------------------------------| | SUBMITTED | The action has been submitted | | ACCEPTED | The action has been accepted | | REJECTED | The action has been rejected | | MORE_INFO_REQUIRED | The action contains a directive that more information is required | enum: - ACCEPTED - MORE_INFO_REQUIRED - REJECTED - SUBMITTED type: string tenant_id: description: | The id of the tenant containing the resource. example: abcdef_ghijkl type: string card_dispute_representment_reason_code: description: > Reason Code | Description -----------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------- INVALID_ACQUIRER_REFERENCE_DATA | The combination of primary account number and acquirer reference data on the chargeback does not match the information in the first presentment. NON_RECEIPT_OF_DOCUMENTATION | Required documentation was not received. DOCUMENTATION_INELIGIBLE | Documentation is ineligible to the point where it cannot be established that the chargeback is valid. DOCUMENTATION_SCANNING_ERROR | Documentation is a partial scan with missing information, or relates to another transaction. CORRECT_TRANSACTION_DATE | Chargeback can be remedied by providing the correct transaction date. CORRECT_MERCHANT_LOCATION | Chargeback can be remedied by providing new information in the form of a different merchant name or location. ISSUER_AUTHORIZED | Chargeback can be remedied by providing information that the transaction was properly authorized. CREDIT_PREVIOUSLY_ISSUED | Chargeback can be remedied by providing evidence that the merchant issued a credit to the cardholders account. CHARGEBACK_REMEDIED | Evidence to remedy the chargeback is included in the supporting documentation adn no other message code is applicable. DUPLICATE_CHARGEBACK | A first chargeback has already been processed for the transaction. PAST_CHARGEBACK_TIME_LIMIT | The chargeback was processed past the time limit allowed for chargeback. INVALID_DATA_RECORD_TEXT | Information that is required to appear in the Data Record and the required message text is missing or incomplete. CORRECT_MCC | Chargeback can be remedied by showing that the MCC assigned to the merchant is different from the MCC appearing on the first presentment. AUTHORIZATION_ADVISED_SUSPICIOUS | Transaction meets the requirements for a Suspicious Transaction. NO_AUTHORIZATION_REQUEST_REQUIRED_OR_ATTEMPTED | Transaction was below the applicable floor limit, and the merchant did not request an authorization. ACCOUNT_NOT_LISTED_ON_EWB | The account number was not included in the applicable Electronic Warning Bulletin as of the date the card was first presented to the merchant. INVALID_CHARGEBACK | The chargeback does not meet the prerequisites for the chargeback message reason code. CHIP_LIABILITY_SHIFT | Invoke chip liability shift in response and as final remedy to a first chargeback submitted under reason code 4837. CHIP_PIN_LIABILITY_SHIFT | Invoke chip/pin liability shift in response and as final remedy to a first chargeback submitted under reason code 4837. enum: - ACCOUNT_NOT_LISTED_ON_EWB - AUTHORIZATION_ADVISED_SUSPICIOUS - CHARGEBACK_REMEDIED - CHIP_LIABILITY_SHIFT - CHIP_PIN_LIABILITY_SHIFT - CORRECT_MCC - CORRECT_MERCHANT_LOCATION - CORRECT_TRANSACTION_DATE - CREDIT_PREVIOUSLY_ISSUED - DOCUMENTATION_INELIGIBLE - DOCUMENTATION_SCANNING_ERROR - DUPLICATE_CHARGEBACK - INVALID_ACQUIRER_REFERENCE_DATA - INVALID_CHARGEBACK - INVALID_DATA_RECORD_TEXT - ISSUER_AUTHORIZED - NON_RECEIPT_OF_DOCUMENTATION - NO_AUTHORIZATION_REQUEST_REQUIRED_OR_ATTEMPTED - PAST_CHARGEBACK_TIME_LIMIT type: string card_dispute_action_status: enum: - ACCEPTED - COMPLETED - LOST - NETWORK_REJECTED - NETWORK_REJECTED_REVERSAL - REBUTTED - REVERSED - SUBMITTED - WON type: string external_card_dispute_action_status: enum: - ACCEPTED - DECLINED - REVERSED - SUBMITTED type: string responses: bad_request: content: application/json: schema: $ref: '#/components/schemas/error' description: Bad request unauthorized: content: application/json: schema: $ref: '#/components/schemas/error' description: Unauthorized forbidden: content: application/json: schema: $ref: '#/components/schemas/error' description: Forbidden unprocessable_entity: content: application/json: schema: $ref: '#/components/schemas/error' description: Unprocessable entity internal_server_error: content: application/json: schema: $ref: '#/components/schemas/error' description: Internal server error securitySchemes: bearerAuth: bearerFormat: api_key scheme: bearer type: http ````