Dispute a transaction

curl --request POST \
  --url https://api.synctera.com/v1/disputes \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "external_reference_id": "<string>",
  "date_customer_reported": "2010-05-06T12:23:34.321Z",
  "disputed_amount": 2,
  "memo": "<string>",
  "transaction_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7"
}
'

import requests

url = "https://api.synctera.com/v1/disputes"

payload = {
    "external_reference_id": "<string>",
    "date_customer_reported": "2010-05-06T12:23:34.321Z",
    "disputed_amount": 2,
    "memo": "<string>",
    "transaction_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    external_reference_id: '<string>',
    date_customer_reported: '2010-05-06T12:23:34.321Z',
    disputed_amount: 2,
    memo: '<string>',
    transaction_id: '7d943c51-e4ff-4e57-9558-08cab6b963c7'
  })
};

fetch('https://api.synctera.com/v1/disputes', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.synctera.com/v1/disputes",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'external_reference_id' => '<string>',
    'date_customer_reported' => '2010-05-06T12:23:34.321Z',
    'disputed_amount' => 2,
    'memo' => '<string>',
    'transaction_id' => '7d943c51-e4ff-4e57-9558-08cab6b963c7'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.synctera.com/v1/disputes"

	payload := strings.NewReader("{\n  \"external_reference_id\": \"<string>\",\n  \"date_customer_reported\": \"2010-05-06T12:23:34.321Z\",\n  \"disputed_amount\": 2,\n  \"memo\": \"<string>\",\n  \"transaction_id\": \"7d943c51-e4ff-4e57-9558-08cab6b963c7\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.synctera.com/v1/disputes")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"external_reference_id\": \"<string>\",\n  \"date_customer_reported\": \"2010-05-06T12:23:34.321Z\",\n  \"disputed_amount\": 2,\n  \"memo\": \"<string>\",\n  \"transaction_id\": \"7d943c51-e4ff-4e57-9558-08cab6b963c7\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.synctera.com/v1/disputes")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"external_reference_id\": \"<string>\",\n  \"date_customer_reported\": \"2010-05-06T12:23:34.321Z\",\n  \"disputed_amount\": 2,\n  \"memo\": \"<string>\",\n  \"transaction_id\": \"7d943c51-e4ff-4e57-9558-08cab6b963c7\"\n}"

response = http.request(request)
puts response.read_body

{
  "action_history": [
    {
      "creation_time": "2010-05-06T12:23:34.321Z",
      "id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
      "tenant": "abcdef_ghijkl",
      "amount": 1,
      "external_reference_id": "<string>",
      "memo": "<string>",
      "message": "<string>",
      "supporting_doc_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
      "updated_reason_code_memo": "<string>"
    }
  ],
  "available_actions": [
    {
      "timestamp_valid_to": "2010-05-06T12:23:34.321Z"
    }
  ],
  "network_eligibility": {
    "is_digital_wallet_token": true,
    "is_network_eligibility_overridden": true,
    "is_three_ds": true
  },
  "account_id": "ca4450a5-5d4c-4afc-9533-729e2948c477",
  "creation_time": "2010-05-06T12:23:34.321Z",
  "currency": "USD",
  "customer_id": "52593ea7-4d66-40df-80e9-3b9bc54fa880",
  "date_customer_reported": "2010-05-06T12:23:34.321Z",
  "dispute_documents": [
    {
      "creation_time": "2010-05-06T12:23:34.321Z",
      "dispute_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
      "file_name": "example.pdf",
      "id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
      "tenant": "abcdef_ghijkl"
    }
  ],
  "disputed_amount": 2,
  "id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
  "last_updated_time": "2010-05-06T12:23:34.321Z",
  "memo": "<string>",
  "tenant": "abcdef_ghijkl",
  "transaction_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
  "acquirer_reference_number": "<string>",
  "evidence": {
    "amount_correction": {
      "amount": 2,
      "currency": "USD"
    },
    "cancellation": {
      "date": "2023-12-25",
      "description": "<string>",
      "id": "<string>",
      "policy_provided": true
    },
    "delivery": {
      "date": "2023-12-25",
      "expected_date": "2023-12-25"
    },
    "merchant_contact": {
      "date": "2023-12-25",
      "description": "<string>",
      "prohibited_reason": "<string>",
      "was_attempted": true,
      "was_successful": true
    },
    "refund": {
      "description": "<string>",
      "policy_provided": true,
      "promise_date": "2023-12-25",
      "was_promised": true
    }
  },
  "switch_serial_number": "<string>",
  "external_reference_id": "<string>",
  "timestamp_final_decision": "2023-11-07T05:31:56Z",
  "timestamp_investigation_due": "2023-11-07T05:31:56Z",
  "timestamp_provisional_credit_due": "2023-11-07T05:31:56Z"
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "Missing required fields: first_name, dob",
  "status": 400
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "Missing required fields: first_name, dob",
  "status": 400
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "Missing required fields: first_name, dob",
  "status": 400
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "Missing required fields: first_name, dob",
  "status": 400
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "Missing required fields: first_name, dob",
  "status": 400
}

POST

disputes

Dispute a transaction

curl --request POST \
  --url https://api.synctera.com/v1/disputes \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "external_reference_id": "<string>",
  "date_customer_reported": "2010-05-06T12:23:34.321Z",
  "disputed_amount": 2,
  "memo": "<string>",
  "transaction_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7"
}
'

import requests

url = "https://api.synctera.com/v1/disputes"

payload = {
    "external_reference_id": "<string>",
    "date_customer_reported": "2010-05-06T12:23:34.321Z",
    "disputed_amount": 2,
    "memo": "<string>",
    "transaction_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    external_reference_id: '<string>',
    date_customer_reported: '2010-05-06T12:23:34.321Z',
    disputed_amount: 2,
    memo: '<string>',
    transaction_id: '7d943c51-e4ff-4e57-9558-08cab6b963c7'
  })
};

fetch('https://api.synctera.com/v1/disputes', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.synctera.com/v1/disputes",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'external_reference_id' => '<string>',
    'date_customer_reported' => '2010-05-06T12:23:34.321Z',
    'disputed_amount' => 2,
    'memo' => '<string>',
    'transaction_id' => '7d943c51-e4ff-4e57-9558-08cab6b963c7'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.synctera.com/v1/disputes"

	payload := strings.NewReader("{\n  \"external_reference_id\": \"<string>\",\n  \"date_customer_reported\": \"2010-05-06T12:23:34.321Z\",\n  \"disputed_amount\": 2,\n  \"memo\": \"<string>\",\n  \"transaction_id\": \"7d943c51-e4ff-4e57-9558-08cab6b963c7\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.synctera.com/v1/disputes")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"external_reference_id\": \"<string>\",\n  \"date_customer_reported\": \"2010-05-06T12:23:34.321Z\",\n  \"disputed_amount\": 2,\n  \"memo\": \"<string>\",\n  \"transaction_id\": \"7d943c51-e4ff-4e57-9558-08cab6b963c7\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.synctera.com/v1/disputes")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"external_reference_id\": \"<string>\",\n  \"date_customer_reported\": \"2010-05-06T12:23:34.321Z\",\n  \"disputed_amount\": 2,\n  \"memo\": \"<string>\",\n  \"transaction_id\": \"7d943c51-e4ff-4e57-9558-08cab6b963c7\"\n}"

response = http.request(request)
puts response.read_body

{
  "action_history": [
    {
      "creation_time": "2010-05-06T12:23:34.321Z",
      "id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
      "tenant": "abcdef_ghijkl",
      "amount": 1,
      "external_reference_id": "<string>",
      "memo": "<string>",
      "message": "<string>",
      "supporting_doc_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
      "updated_reason_code_memo": "<string>"
    }
  ],
  "available_actions": [
    {
      "timestamp_valid_to": "2010-05-06T12:23:34.321Z"
    }
  ],
  "network_eligibility": {
    "is_digital_wallet_token": true,
    "is_network_eligibility_overridden": true,
    "is_three_ds": true
  },
  "account_id": "ca4450a5-5d4c-4afc-9533-729e2948c477",
  "creation_time": "2010-05-06T12:23:34.321Z",
  "currency": "USD",
  "customer_id": "52593ea7-4d66-40df-80e9-3b9bc54fa880",
  "date_customer_reported": "2010-05-06T12:23:34.321Z",
  "dispute_documents": [
    {
      "creation_time": "2010-05-06T12:23:34.321Z",
      "dispute_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
      "file_name": "example.pdf",
      "id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
      "tenant": "abcdef_ghijkl"
    }
  ],
  "disputed_amount": 2,
  "id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
  "last_updated_time": "2010-05-06T12:23:34.321Z",
  "memo": "<string>",
  "tenant": "abcdef_ghijkl",
  "transaction_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
  "acquirer_reference_number": "<string>",
  "evidence": {
    "amount_correction": {
      "amount": 2,
      "currency": "USD"
    },
    "cancellation": {
      "date": "2023-12-25",
      "description": "<string>",
      "id": "<string>",
      "policy_provided": true
    },
    "delivery": {
      "date": "2023-12-25",
      "expected_date": "2023-12-25"
    },
    "merchant_contact": {
      "date": "2023-12-25",
      "description": "<string>",
      "prohibited_reason": "<string>",
      "was_attempted": true,
      "was_successful": true
    },
    "refund": {
      "description": "<string>",
      "policy_provided": true,
      "promise_date": "2023-12-25",
      "was_promised": true
    }
  },
  "switch_serial_number": "<string>",
  "external_reference_id": "<string>",
  "timestamp_final_decision": "2023-11-07T05:31:56Z",
  "timestamp_investigation_due": "2023-11-07T05:31:56Z",
  "timestamp_provisional_credit_due": "2023-11-07T05:31:56Z"
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "Missing required fields: first_name, dob",
  "status": 400
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "Missing required fields: first_name, dob",
  "status": 400
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "Missing required fields: first_name, dob",
  "status": 400
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "Missing required fields: first_name, dob",
  "status": 400
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "Missing required fields: first_name, dob",
  "status": 400
}

Authorizations

Authorization

string

header

required

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

Headers

Idempotency-Key

string

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.

Example:

"7d943c51-e4ff-4e57-9558-08cab6b963c7"

Body

application/json

Details of the disputed transaction.

External Card Dispute
ACH Dispute
Card Dispute

Create a dispute against an external card transaction.

external_reference_id

string

required

Reference ID associated with the dispute on the external network.

reason_code

enum<string>

required

Mastercard

Reason Code	Description
WARNING_BULLETIN	Transaction was processed using a card listed in a Mastercard warning bulletin file
AUTHORIZATION_RELATED_CHARGEBACK	Transaction was processed without obtaining proper authorization
ACCOUNT_NUMBER_NOT_ON_FILE	Account number used in transaction not regonized by cardholder’s bank
TRANSACTION_AMOUNT_DIFFERS	Final transaction amount charged differs from expected or agreed upon amount
POINT_OF_INTERACTION_ERROR	Processing errors such as ATM withdrawal discrepancies, duplicate transactions, late presentments, and amount discrepancies
NO_CARDHOLDER_AUTHORIZATION	Fraudulent transaction made without the cardholder’s consent
CANCELED_RECURRING_TRANSACTION	Cardholder billed for a recurring service afer cancellation or digital goods not authorized or received
LATE_PRESENTMENT	Merchant submitted transaction for processing too late after original transaction date
CORRECT_CURRENCY_CODE_NOT_PROVIDED	Currency conversion not properly presented or agreed upon
QUESTIONABLE_MERCHANT_ACTIVITY	Merchant suspected of being involved in fraudulent activities or violating Mastercard rules
CARDHOLDER_DISPUTE	Claims for goods and services not received, counterfeit products, recurring transactions, incomplete transactions, hotel no-show charges, and more
CARDHOLDER_DISPUTE_NOT_ELSEWHERE_CLASSIFIED	Cardholder dissatisfied with transaction and has been unable to resolve it direclty with merchant (US region only)
GOODS_OR_SERVICES_NOT_PROVIDED	Cardholder claims purchased goods or services were not delivered, delivered late, only partially delivered, or merchant failed to provide the agreed-upon service
NO_SHOW_ADDENDUM_ATM_DISPUTE	Cardholder charged a penalty for failing to cancel a reservation (e.g. hotel booking), charged an addendum or modification to a service, or did not receive the correct amount of cash from an ATM
CREDIT_NOT_PROCESSED	Expected credit or refund not received
POTENTIAL_FRAUD	Cardholder does not recognize the transaction and suspects it might be fraudulent
CHIP_LIABILITY_SHIFT	Counterfeit card used at a non-EMV-compliant terminal, and merchant is held liable for the fraudulent transaction
CHIP_PIN_LIABILITY_SHIFT	Lost or stolen chip card used without PIN verification at a terminal that supports PIN, resulting in merchant liability for the fraudulent transaction
DOMESTIC_CHARGEBACK_DISPUTE	Catch-all for transaction disputes within the Europe region

Visa

Reason Code	Description
EMV_LIABILITY_SHIFT_COUNTERFEIT_FRAUD	Transaction was processed with a counterfeit EMV card at a non-EMV-compliant terminal and the cardholder claims it was unauthorized
EMV_LIABILITY_SHIFT_NON_COUNTERFEIT_FRAUD	Cardholder claims their lost or stolen card was used for an unauthorized transaction at a non-EMV-compliant terminal
FRAUD_CARD_PRESENT	Cardholder disputes a card-present transaction as fraudulent, but does not involve a counterfeit or lost/stolen card
FRAUD_CARD_ABSENT	Cardholder disputes a card-not-present (e.g., online or phone) transaction as unauthorized or fraudulent
VISA_FRAUD_MONITORING_PROGRAM	Transaction flagged as part of the Visa Fraud Monitoring Program due to excessive fraud activity
CARD_RECOVERY_BULLETIN	Transaction processed despite the card being listed in the Card Recovery Bulletin (a list of compromised cards)
DECLINED_AUTHORIZATION	Transaction processed after receiving a declined authorization response from the issuer
NO_AUTHORIZATION	Transaction processed without obtaining proper authorization from the issuer
LATE_PRESENTMENT	Merchant submitted transaction for processing too late after original transaciton date
INCORRECT_TRANSACTION_CODE	Transaction processed with the wrong transaction code (e.g., refund processed as a sale)
INCORRECT_CURRENCY	Transaction processed in the incorrect currency
INCORRECT_ACCOUNT_NUMBER	Transaction processed using an incorrect or invalid account number
INCORRECT_AMOUNT	Transaction processed for an incorrect amount
DUPLICATE_PROCESSING	Transaction processed more than once
PAID_BY_OTHER_MEANS	Cardholder paid for the same transaction by other means (e.g., cash, check)
INVALID_DATA	Transaction contained invalid or incomplete data required for processing
SERVICES_NOT_RECEIVED	Cardholder claims the merchandise or services were not received as agreed
CANCELED_RECURRING_TRANSACTION	Cardholder charged for a recurring transaction after canceling the service or subscription
NOT_AS_DESCRIBED	Merchandise or services received were not as described or were defective
COUNTERFEIT_MERCHANDISE	Cardholder claims merchandise received was counterfeit
MISREPRESENTATION	Cardholder claims merchant misrepresented the terms or details of the transaction
CREDIT_NOT_PROCESSED	Expected credit or refund not received
CANCELED_SERVICE	Cardholder charged for merchandise or services that were canceled
OCT_NOT_ACCEPTED	Original credit transaction not accepted or processed by the cardholder’s bank
NON_RECEIPT_OF_CASH	Cardholder did not receive cash or the value from a load transaction at an ATM or similar device

Available options:

ACCOUNT_NUMBER_NOT_ON_FILE,

AUTHORIZATION_RELATED_CHARGEBACK,

CANCELED_RECURRING_TRANSACTION,

CANCELED_SERVICE,

CARDHOLDER_DISPUTE,

CARDHOLDER_DISPUTE_NOT_ELSEWHERE_CLASSIFIED,

CARD_RECOVERY_BULLETIN,

CHIP_LIABILITY_SHIFT,

CHIP_PIN_LIABILITY_SHIFT,

CORRECT_CURRENCY_CODE_NOT_PROVIDED,

COUNTERFEIT_MERCHANDISE,

CREDIT_NOT_PROCESSED,

DECLINED_AUTHORIZATION,

DOMESTIC_CHARGEBACK_DISPUTE,

DUPLICATE_PROCESSING,

EMV_LIABILITY_SHIFT_COUNTERFEIT_FRAUD,

EMV_LIABILITY_SHIFT_NON_COUNTERFEIT_FRAUD,

FRAUD_CARD_ABSENT,

FRAUD_CARD_PRESENT,

GOODS_OR_SERVICES_NOT_PROVIDED,

INCORRECT_ACCOUNT_NUMBER,

INCORRECT_AMOUNT,

INCORRECT_CURRENCY,

INCORRECT_TRANSACTION_CODE,

INVALID_DATA,

LATE_PRESENTMENT,

MISREPRESENTATION,

NON_RECEIPT_OF_CASH,

NOT_AS_DESCRIBED,

NO_AUTHORIZATION,

NO_CARDHOLDER_AUTHORIZATION,

NO_SHOW_ADDENDUM_ATM_DISPUTE,

OCT_NOT_ACCEPTED,

PAID_BY_OTHER_MEANS,

POINT_OF_INTERACTION_ERROR,

POTENTIAL_FRAUD,

QUESTIONABLE_MERCHANT_ACTIVITY,

SERVICES_NOT_RECEIVED,

TRANSACTION_AMOUNT_DIFFERS,

VISA_FRAUD_MONITORING_PROGRAM,

WARNING_BULLETIN

date_customer_reported

string<date-time>

required

The timestamp representing when the customer reported the dispute.

Example:

"2010-05-06T12:23:34.321Z"

disputed_amount

integer

required

The amount to be disputed in cents. Disputes cannot exceed the full amount of the posted transaction.

Required range: x >= 1

memo

string

required

Brief written message describing the reason for disputing the transaction.

Maximum string length: 1000

payment_rail

enum<string>

required

A short string representing the payment rail of the dispute.

Available options:

ACH,

CARD,

EXTERNAL_CARD

transaction_id

string<uuid>

required

The ID of the posted transaction to be disputed.

Example:

"7d943c51-e4ff-4e57-9558-08cab6b963c7"

Response

Dispute created

Card Dispute
ACH Dispute
External Card

Response for a card dispute.

action_history

Card Action · object[]

required

History of all the action filed for the dispute.

Show child attributes

available_actions

object[]

required

List of actions that can be taken on the dispute.

Show child attributes

credit_status

enum<string>

required

The status of customer account credit related to the dispute

Status	Description
NONE	The customer account has not been credited or a provisional credit has been reversed and not replaced.
PROVISIONAL	A provisional credit has been posted to the customer account.
FINAL	A final credit has been posted to the customer account.

Available options:

FINAL,

NONE,

PROVISIONAL

lifecycle_state

enum<string>

required

Lifecycle	Description
PENDING_ACTION	The dispute has been created and is pending subsequent action.
EVIDENCE_GATHERING	Evidence is being collected before submitting the dispute for evaluation.
EVALUATION	The dispute has been submitted for evaluation.
MANUAL_REVIEW	The dispute requires manual review.
DENIED	The dispute has been denied.
WITHDRAWN	The dispute has been withdrawn.
REFUNDED	The cardholder has been refunded directly by the merchant through a separate channel.
EXPIRED	The dispute has expired.
REJECTED	The dispute has been rejected.
WRITE_OFF	The dispute has been written off and will not be filed with the card network.
CHARGEBACK	A chargeback has been created with the card network. The acquiring bank now has the opportunity to file for re-presentment. If no re-presentment is filed the acquirer assumes financial responsibility and the case is won.
NETWORK_REJECTED_CHARGEBACK	The chargeback submission has been rejected by the card network. The chargeback can be optionally resubmitted once the rejection reason has been addressed.
NETWORK_REJECTED_CHARGEBACK_REVERSAL	The chargeback reversal has been rejected by the card network.
REPRESENTMENT	The acquiring bank has created a re-presentment with the card network. The issuing bank now has the opportunity to file for pre-arbitration. If no pre-arbitration is filed the issuer assumes financial responsibility and the case is lost.
PRE_ARBITRATION	A pre-arbitration case has been created with the network. The acquiring bank now has the opportunity to rebut the case with subsequent evidence. If no rebuttal is filed the acquirer assumes financial responsibility and the case is won.
PRE_ARBITRATION_RESPONSE	The acquiring bank has rebutted the pre-arbitration case. The issuing bank now has the opportunity to file for arbitration. If no arbitration case is filed the issuer assumes financial responsibility and the case is lost.
ARBITRATION	An arbitration case has been created with the card network. The acquiring bank now has the opportunity to rebut the arbitration case with subsequent evidence.
ARBITRATION_RESPONSE	The acquiring bank has rebutted the arbitration case. The issuing bank can either withdraw the case or do nothing and the card network will make a decision on who assumes the financial responsibility.

Available options:

ARBITRATION,

ARBITRATION_RESPONSE,

CHARGEBACK,

DENIED,

EVALUATION,

EVIDENCE_GATHERING,

EXPIRED,

MANUAL_REVIEW,

NETWORK_REJECTED_CHARGEBACK,

NETWORK_REJECTED_CHARGEBACK_REVERSAL,

PENDING_ACTION,

PRE_ARBITRATION,

PRE_ARBITRATION_RESPONSE,

REFUNDED,

REJECTED,

REPRESENTMENT,

WITHDRAWN,

WRITE_OFF

managed_by

enum<string>

required

Managed By	Description
CUSTOMER	The dispute is managed by the customer.
GROUND_CONTROL	The dispute is managed by Synctera Ground Control.
AUTO_WRITE_OFF	The dispute is managed by the automatic write-off workflow.

Available options:

AUTO_WRITE_OFF,

CUSTOMER,

GROUND_CONTROL

network_eligibility

object

required

Network eligibility restrictions.

Show child attributes

reason_code

enum<string>

required

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.

Available options:

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,

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

account_id

string<uuid>

required

The customer account related to the dispute, to which dispute-related credits will be posted.

Example:

"ca4450a5-5d4c-4afc-9533-729e2948c477"

creation_time

string<date-time>

required

read-only

The timestamp representing when the dispute was created

Example:

"2010-05-06T12:23:34.321Z"

currency

string

required

ISO 4217 Alpha-3 currency code

Required string length: 3

Example:

"USD"

customer_id

string<uuid>

required

The customer related to the dispute, to which dispute-related credits will be posted.

Example:

"52593ea7-4d66-40df-80e9-3b9bc54fa880"

date_customer_reported

string<date-time>

required

The timestamp representing when the customer reported the dispute.

Example:

"2010-05-06T12:23:34.321Z"

decision

enum<string>

required

Decision	Description
LOST	Decision reached in favour of the network.
NONE	No decision was reached.
ONGOING	Dispute is ongoing and requires further action.
RESOLVED	Resolved in favour of the account holder.
WON	Decision reached in favour of the account holder.

Available options:

LOST,

NONE,

ONGOING,

RESOLVED,

WON

dispute_documents

object[]

required

Documents associated with the dispute.

Show child attributes

disputed_amount

integer

required

The amount to be disputed in cents.

Required range: x >= 1

string<uuid>

required

read-only

The unique identifier of the dispute

Example:

"7d943c51-e4ff-4e57-9558-08cab6b963c7"

last_updated_time

string<date-time>

required

read-only

The timestamp representing when the dispute was last modified

Example:

"2010-05-06T12:23:34.321Z"

memo

string

required

Brief written message describing the reason for disputing the transaction.

Maximum string length: 1000

network

enum<string>

required

The network with which the transaction was disputed.

Available options:

ACH,

DECISIONLY,

MARQETA,

MASTERCARD,

NONE,

TABAPAY

payment_rail

enum<string>

required

A short string representing the payment rail of the dispute.

Available options:

ACH,

CARD,

EXTERNAL_CARD

status

enum<string>

required

The current status of the dispute.

Available options:

CLOSED,

OPEN

tenant

string

required

The id of the tenant containing the resource.

Example:

"abcdef_ghijkl"

transaction_id

string<uuid>

required

The ID of the posted transaction to be disputed.

Example:

"7d943c51-e4ff-4e57-9558-08cab6b963c7"

acquirer_reference_number

string

The acquirer reference number of the original transaction associated with the dispute.

evidence

object

🚧 Beta This is a Beta object. It is not used in production at this time. Feedback from the community is welcome. Any breaking changes will be pre-announced.

Issuer evidence for network dispute filing. Which nested fields are required depends on reason_code and the card network (Visa or Mastercard) of the disputed transaction:

Mastercard

Reason code	Required evidence
`GOODS_OR_SERVICES_NOT_PROVIDED`	`merchant_contact`
`DEFECTIVE_GOODS_OR_SERVICES`	`merchant_contact`
`DISPUTE_OF_RECURRING_TRANSACTION`	`merchant_contact`
`CREDIT_NOT_RECEIVED`	`merchant_contact`
`TRANSACTION_AMOUNT_DIFFERS`	`amount_correction.amount`, `amount_correction.currency`
`COUNTERFEIT_GOODS`	`merchant_contact`
`CANCELED_OR_RETURNED`	`merchant_contact`

Visa

Reason code	Required evidence
`GOODS_OR_SERVICES_NOT_PROVIDED`	`delivery.expected_date`, `merchant_contact`
`DEFECTIVE_GOODS_OR_SERVICES`	`delivery.date`, `merchant_contact`
`DISPUTE_OF_RECURRING_TRANSACTION`	`cancellation.date`, `merchant_contact`
`CREDIT_NOT_RECEIVED`	`refund.promise_date`, `merchant_contact`
`TRANSACTION_AMOUNT_DIFFERS`	`amount_correction.amount`, `amount_correction.currency`
`COUNTERFEIT_GOODS`	`delivery.date`, `merchant_contact`
`CANCELED_OR_RETURNED`	`delivery.date` or `delivery.expected_date`, `merchant_contact`

Show child attributes

switch_serial_number

string

The switch serial number of the original transaction associated with the dispute.

applicable_regulation

enum<string>

Available options:

REGULATION_E,

REGULATION_Z

external_reference_id

string

Reference ID associated with the dispute on the external network.

last_action_by

enum<string>

action_by	Description
INITIATOR	The last action was taken by the initiator of the dispute.
NETWORK	The last action was taken by the network.

Available options:

INITIATOR,

NETWORK

timestamp_final_decision

string<date-time>

The time that a final decision was made on the dispute.

timestamp_investigation_due

string<date-time>

timestamp_provisional_credit_due

string<date-time>

The time by which provisional credit should be posted to the customer account in response to the dispute.

⌘I

Synctera API

Customers

Accounts

Cards

Money Movement

Transactions

Platform

Simulations

Dispute a transaction

Authorizations

Headers

Body

Mastercard

Visa

Response