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POST
/
disputes
/
simulations
/
{dispute_id}
/
actions
Simulate a network dispute action
curl --request POST \
  --url https://api.synctera.com/v2/disputes/simulations/{dispute_id}/actions \
  --header 'Content-Type: application/json' \
  --data '{
  "action": "CHARGEBACK",
  "memo": "<string>",
  "message": "<string>",
  "payment_rail": "CARD",
  "reason_code": "ATM_CASH_DISPUTE",
  "state": "ACCEPT",
  "supporting_doc_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
  "updated_reason_code_memo": "<string>",
  "violation_code": "INACCURATE_AUTH",
  "violation_date": "2010-05-06T12:23:34.321Z"
}'
{
  "action": "CHARGEBACK",
  "creation_time": "2010-05-06T12:23:34.321Z",
  "external_reference_id": "<string>",
  "id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
  "memo": "<string>",
  "message": "<string>",
  "payment_rail": "CARD",
  "reason_code": "ATM_CASH_DISPUTE",
  "representment_reason_code": "INVALID_ACQUIRER_REFERENCE_DATA",
  "status": "ACCEPTED",
  "supporting_doc_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
  "tenant": "abcdef_ghijkl",
  "updated_reason_code_memo": "<string>",
  "violation_code": "INACCURATE_AUTH",
  "violation_date": "2023-11-07T05:31:56Z"
}

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"

Path Parameters

​
dispute_id
string<uuid>
required

The unique identifier of the dispute

Example:

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

Body

application/json

Details of the simulated dispute action

  • Card Action
  • ACH Action
  • External Card Action

Create an action against a disputed card transaction

​
action
enum<string>
required
Available options:
CHARGEBACK,
REPRESENTMENT,
PRE_ARBITRATION,
ARBITRATION,
PRE_COMPLIANCE,
COMPLIANCE,
PROVISIONAL_CREDIT,
WRITE_OFF
​
payment_rail
enum<string>
required

A short string representing the payment rail of the dispute.

Available options:
CARD,
EXTERNAL_CARD,
ACH
​
state
enum<string>
required
Available options:
ACCEPT,
CREATE,
LOST,
NETWORK_REJECT,
NETWORK_REJECT_REVERSAL,
REBUT,
REVERSE,
WON
​
memo
string

Memo text related to card dispute action

  • Required for PRE_ARBITRATION, ARBITRATION, PRE_COMPLIANCE, COMPLIANCE
Maximum length: 1000
​
message
string

Message text related to card dispute action

Maximum length: 100
​
reason_code
enum<string>
Reason CodeStatusCategoryDescription
NO_CARDHOLDER_AUTHORIZATIONActiveFraudA fraudulent transaction was made without the cardholder's consent.
QUESTIONABLE_MERCHANT_ACTIVITYActiveFraudThe merchant is suspected of being involved in fraudulent activities or violating Mastercard rules.
CHIP_LIABILITY_SHIFTActiveFraudA counterfeit card was used at a non-EMV-compliant terminal, and the merchant is held liable for the fraudulent transaction.
CHIP_PIN_LIABILITY_SHIFTActiveFraudA 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_CHARGEBACKActiveAuthorizationA transaction was processed without obtaining proper authorization.
POINT_OF_INTERACTION_ERRORActivePoint-of-Interaction ErrorProcessing errors such as ATM withdrawal discrepancies, duplicate transactions, late presentments, and amount discrepancies.
CARD_HOLDER_DISPUTEActiveCardholder DisputeClaims for goods and services not received, counterfeit products, recurring transactions, incomplete transactions, hotel no-show charges, and more.
ATM_CASH_DISPUTEDeprecatedN/ASome or all funds debited from the cardholder's account as the result of an ATM withdrawal were not dispensed.
CARD_LOST_STOLEN_NEVER_RECEIVEDDeprecatedN/AThe cardholder did not authorize the transaction and the card is no longer, or had never been, in the possession of the cardholder.
COUNTERFEIT_GOODSDeprecatedN/AThe cardholder claims that the goods were purported to be genuine, but were counterfeit.
CREDIT_NOT_RECEIVEDDeprecatedN/AThe cardholder's account was not credited for a refund from a merchant or was inaccurately debited instead of credited.
DEFECTIVE_GOODS_OR_SERVICESDeprecatedN/AGoods 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_TRANSACTIONDeprecatedN/AThe 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_TRANSACTIONDeprecatedN/AThe same transaction has been processed more than once, resulting in duplicate charges.
FRAUDULENT_PROCESSINGDeprecatedN/AThe 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_PROVIDEDDeprecatedN/AThe 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_PRESENTMENTDeprecatedN/AThe transaction was authorized offline by the chip and submitted for clearing more than 7 calendar days after the transaction date.
PAID_BY_OTHER_MEANSDeprecatedN/AThe cardholder used a different form of payment for this specific transaction. (Mastercard pre-compliance/compliance only)
TRANSACTION_AMOUNT_DIFFERSDeprecatedN/AThe amount of the transaction does not match the agreed-upon or expected amount.
TRANSACTION_DID_NOT_COMPLETEDeprecatedN/AThe cardholder engaged in the transaction and claims it did not complete. Goods or services were not provided.
TRANSACTION_NOT_RECOGNIZEDDeprecatedN/AThe account holder does not recognize the transaction, possibly due to mistake or fraud.
UNAUTHORIZED_TRANSACTIONDeprecatedN/AThe transaction was not authorized by the account holder.
Available options:
ATM_CASH_DISPUTE,
CARD_LOST_STOLEN_NEVER_RECEIVED,
COUNTERFEIT_GOODS,
CREDIT_NOT_RECEIVED,
DEFECTIVE_GOODS_OR_SERVICES,
DISPUTE_OF_RECURRING_TRANSACTION,
DUPLICATE_TRANSACTION,
FRAUDULENT_PROCESSING,
GOODS_OR_SERVICES_NOT_PROVIDED,
LATE_PRESENTMENT,
PAID_BY_OTHER_MEANS,
TRANSACTION_AMOUNT_DIFFERS,
TRANSACTION_DID_NOT_COMPLETE,
TRANSACTION_NOT_RECOGNIZED,
UNAUTHORIZED_TRANSACTION,
NO_CARDHOLDER_AUTHORIZATION,
QUESTIONABLE_MERCHANT_ACTIVITY,
CHIP_LIABILITY_SHIFT,
CHIP_PIN_LIABILITY_SHIFT,
AUTHORIZATION_RELATED_CHARGEBACK,
POINT_OF_INTERACTION_ERROR,
CARDHOLDER_DISPUTE
​
supporting_doc_id
string<uuid>

The unique identifier of the supporting document

Example:

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

​
updated_reason_code_memo
string

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.
Maximum length: 1000
​
violation_code
enum<string>
  • Required for PRE-COMPLIANCE
Violation CodeDescription
INACCURATE_AUTHInvalid, or Inaccurate Authorization Data
INACCURATE_CLEARINGInaccurate Clearing Data That Restricts Chargeback Cycles
CHARGEBACK_EXCEEDS_TIMEFRAMEValid Chargeback Exceeding System Availability
INVALID_SUBSEQUENT_FIRST_PRESENTMENTInvalid Subsequent First Presentment
SAME_DAY_PROCESSINGSame Day Processing Chargeback Reversal and 2nd Presentment
REFUND_OR_CORRECTIONRefund Transactions and Corrections
SEND_RI_OR_PAYMENTSend RI or Payment Transactions
SEND_OISend OI
FEE_COLLECTIONFee Collection/1740 Message
ATM_DCCATM Dynamic Currency Conversion
MATCHMerchant Not Listed or Improperly Listed on MATCH
UNSPENT_GIFT_CARDUnspent Gift Card Funds
ACQ_STMT_REQUESTAcquirer Request for Cardholder Statement of Fraud
MPQR_OR_MCQRMPQR or MCQR
INTERCHANGEInterchange Discrepancy (Non-Brazil Domestic)
THIRD_PARTY_ALL_OTHERAll Other Rules Violations-3rd-Party Processed Transactions
ALL_OTHERAll Other Rules Violations
NON_MC_MAESTRO_CNPNon-Mastercard Maestro Card-Not-Present
Available options:
INACCURATE_AUTH,
INACCURATE_CLEARING,
CHARGEBACK_EXCEEDS_TIMEFRAME,
INVALID_SUBSEQUENT_FIRST_PRESENTMENT,
SAME_DAY_PROCESSING,
REFUND_OR_CORRECTION,
SEND_RI_OR_PAYMENT,
SEND_OI,
FEE_COLLECTION,
ATM_DCC,
MATCH,
UNSPENT_GIFT_CARD,
ACQ_STMT_REQUEST,
MPQR_OR_MCQR,
INTERCHANGE,
THIRD_PARTY_ALL_OTHER,
ALL_OTHER,
NON_MC_MAESTRO_CNP
​
violation_date
string<date-time>

The timestamp representing when the violation occurred.

  • Required for PRE-COMPLIANCE
Example:

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

Response

Successfully simulated dispute action

  • Card Action
  • ACH Action
  • External Card Action

Response for a card dispute action.

​
action
enum<string>
required
Available options:
CHARGEBACK,
REPRESENTMENT,
PRE_ARBITRATION,
ARBITRATION,
PRE_COMPLIANCE,
COMPLIANCE,
PROVISIONAL_CREDIT,
WRITE_OFF
​
creation_time
string<date-time>
required

The timestamp representing when the object was created

Example:

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

​
id
string<uuid>
required

The unique identifier of the dispute action

Example:

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

​
payment_rail
enum<string>
required

A short string representing the payment rail of the dispute.

Available options:
CARD,
EXTERNAL_CARD,
ACH
​
status
enum<string>
required
Available options:
ACCEPTED,
SUBMITTED,
LOST,
NETWORK_REJECTED,
NETWORK_REJECTED_REVERSAL,
REBUTTED,
REVERSED,
WON
​
tenant
string
required

The id of the tenant containing the resource. This is relevant for Fintechs that have multiple workspaces.

Example:

"abcdef_ghijkl"

​
external_reference_id
string

Reference ID associated with the action on the external network.

​
memo
string

Memo text related to card dispute action

Maximum length: 1000
​
message
string

Message text related to card dispute action

Maximum length: 100
​
reason_code
enum<string>
Reason CodeStatusCategoryDescription
NO_CARDHOLDER_AUTHORIZATIONActiveFraudA fraudulent transaction was made without the cardholder's consent.
QUESTIONABLE_MERCHANT_ACTIVITYActiveFraudThe merchant is suspected of being involved in fraudulent activities or violating Mastercard rules.
CHIP_LIABILITY_SHIFTActiveFraudA counterfeit card was used at a non-EMV-compliant terminal, and the merchant is held liable for the fraudulent transaction.
CHIP_PIN_LIABILITY_SHIFTActiveFraudA 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_CHARGEBACKActiveAuthorizationA transaction was processed without obtaining proper authorization.
POINT_OF_INTERACTION_ERRORActivePoint-of-Interaction ErrorProcessing errors such as ATM withdrawal discrepancies, duplicate transactions, late presentments, and amount discrepancies.
CARD_HOLDER_DISPUTEActiveCardholder DisputeClaims for goods and services not received, counterfeit products, recurring transactions, incomplete transactions, hotel no-show charges, and more.
ATM_CASH_DISPUTEDeprecatedN/ASome or all funds debited from the cardholder's account as the result of an ATM withdrawal were not dispensed.
CARD_LOST_STOLEN_NEVER_RECEIVEDDeprecatedN/AThe cardholder did not authorize the transaction and the card is no longer, or had never been, in the possession of the cardholder.
COUNTERFEIT_GOODSDeprecatedN/AThe cardholder claims that the goods were purported to be genuine, but were counterfeit.
CREDIT_NOT_RECEIVEDDeprecatedN/AThe cardholder's account was not credited for a refund from a merchant or was inaccurately debited instead of credited.
DEFECTIVE_GOODS_OR_SERVICESDeprecatedN/AGoods 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_TRANSACTIONDeprecatedN/AThe 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_TRANSACTIONDeprecatedN/AThe same transaction has been processed more than once, resulting in duplicate charges.
FRAUDULENT_PROCESSINGDeprecatedN/AThe 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_PROVIDEDDeprecatedN/AThe 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_PRESENTMENTDeprecatedN/AThe transaction was authorized offline by the chip and submitted for clearing more than 7 calendar days after the transaction date.
PAID_BY_OTHER_MEANSDeprecatedN/AThe cardholder used a different form of payment for this specific transaction. (Mastercard pre-compliance/compliance only)
TRANSACTION_AMOUNT_DIFFERSDeprecatedN/AThe amount of the transaction does not match the agreed-upon or expected amount.
TRANSACTION_DID_NOT_COMPLETEDeprecatedN/AThe cardholder engaged in the transaction and claims it did not complete. Goods or services were not provided.
TRANSACTION_NOT_RECOGNIZEDDeprecatedN/AThe account holder does not recognize the transaction, possibly due to mistake or fraud.
UNAUTHORIZED_TRANSACTIONDeprecatedN/AThe transaction was not authorized by the account holder.
Available options:
ATM_CASH_DISPUTE,
CARD_LOST_STOLEN_NEVER_RECEIVED,
COUNTERFEIT_GOODS,
CREDIT_NOT_RECEIVED,
DEFECTIVE_GOODS_OR_SERVICES,
DISPUTE_OF_RECURRING_TRANSACTION,
DUPLICATE_TRANSACTION,
FRAUDULENT_PROCESSING,
GOODS_OR_SERVICES_NOT_PROVIDED,
LATE_PRESENTMENT,
PAID_BY_OTHER_MEANS,
TRANSACTION_AMOUNT_DIFFERS,
TRANSACTION_DID_NOT_COMPLETE,
TRANSACTION_NOT_RECOGNIZED,
UNAUTHORIZED_TRANSACTION,
NO_CARDHOLDER_AUTHORIZATION,
QUESTIONABLE_MERCHANT_ACTIVITY,
CHIP_LIABILITY_SHIFT,
CHIP_PIN_LIABILITY_SHIFT,
AUTHORIZATION_RELATED_CHARGEBACK,
POINT_OF_INTERACTION_ERROR,
CARDHOLDER_DISPUTE
​
representment_reason_code
enum<string>
Reason CodeDescription
INVALID_ACQUIRER_REFERENCE_DATAThe combination of primary account number and acquirer reference data on the chargeback does not match the information in the first presentment.
NON_RECEIPT_OF_DOCUMENTATIONRequired documentation was not received.
DOCUMENTATION_INELIGIBLEDocumentation is ineligible to the point where it cannot be established that the chargeback is valid.
DOCUMENTATION_SCANNING_ERRORDocumentation is a partial scan with missing information, or relates to another transaction.
CORRECT_TRANSACTION_DATEChargeback can be remedied by providing the correct transaction date.
CORRECT_MERCHANT_LOCATIONChargeback can be remedied by providing new information in the form of a different merchant name or location.
ISSUER_AUTHORIZEDChargeback can be remedied by providing information that the transaction was properly authorized.
CREDIT_PREVIOUSLY_ISSUEDChargeback can be remedied by providing evidence that the merchant issued a credit to the cardholders account.
CHARGEBACK_REMEDIEDEvidence to remedy the chargeback is included in the supporting documentation adn no other message code is applicable.
DUPLICATE_CHARGEBACKA first chargeback has already been processed for the transaction.
PAST_CHARGEBACK_TIME_LIMITThe chargeback was processed past the time limit allowed for chargeback.
INVALID_DATA_RECORD_TEXTInformation that is required to appear in the Data Record and the required message text is missing or incomplete.
CORRECT_MCCChargeback can be remedied by showing that the MCC assigned to the merchant is different from the MCC appearing on the first presentment.
AUTHORIZATION_ADVISED_SUSPICIOUSTransaction meets the requirements for a Suspicious Transaction.
NO_AUTHORIZATION_REQUEST_REQUIRED_OR_ATTEMPTEDTransaction was below the applicable floor limit, and the merchant did not request an authorization.
ACCOUNT_NOT_LISTED_ON_EWBThe account number was not included in the applicable Electronic Warning Bulletin as of the date the card was first presented to the merchant.
INVALID_CHARGEBACKThe chargeback does not meet the prerequisites for the chargeback message reason code.
CHIP_LIABILITY_SHIFTInvoke chip liability shift in response and as final remedy to a first chargeback submitted under reason code 4837.
CHIP_PIN_LIABILITY_SHIFTInvoke chip/pin liability shift in response and as final remedy to a first chargeback submitted under reason code 4837.
Available options:
INVALID_ACQUIRER_REFERENCE_DATA,
NON_RECEIPT_OF_DOCUMENTATION,
DOCUMENTATION_INELIGIBLE,
DOCUMENTATION_SCANNING_ERROR,
CORRECT_TRANSACTION_DATE,
CORRECT_MERCHANT_LOCATION,
ISSUER_AUTHORIZED,
CREDIT_PREVIOUSLY_ISSUED,
CHARGEBACK_REMEDIED,
DUPLICATE_CHARGEBACK,
PAST_CHARGEBACK_TIME_LIMIT,
INVALID_DATA_RECORD_TEXT,
CORRECT_MCC,
AUTHORIZATION_ADVISED_SUSPICIOUS,
NO_AUTHORIZATION_REQUEST_REQUIRED_OR_ATTEMPTED,
ACCOUNT_NOT_LISTED_ON_EWB,
INVALID_CHARGEBACK,
CHIP_LIABILITY_SHIFT,
CHIP_PIN_LIABILITY_SHIFT
​
supporting_doc_id
string<uuid>

The unique identifier of the supporting document

Example:

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

​
updated_reason_code_memo
string

Memo text describing the reason for updating a reason code.

Maximum length: 1000
​
violation_code
enum<string>
  • Required for PRE-COMPLIANCE
Violation CodeDescription
INACCURATE_AUTHInvalid, or Inaccurate Authorization Data
INACCURATE_CLEARINGInaccurate Clearing Data That Restricts Chargeback Cycles
CHARGEBACK_EXCEEDS_TIMEFRAMEValid Chargeback Exceeding System Availability
INVALID_SUBSEQUENT_FIRST_PRESENTMENTInvalid Subsequent First Presentment
SAME_DAY_PROCESSINGSame Day Processing Chargeback Reversal and 2nd Presentment
REFUND_OR_CORRECTIONRefund Transactions and Corrections
SEND_RI_OR_PAYMENTSend RI or Payment Transactions
SEND_OISend OI
FEE_COLLECTIONFee Collection/1740 Message
ATM_DCCATM Dynamic Currency Conversion
MATCHMerchant Not Listed or Improperly Listed on MATCH
UNSPENT_GIFT_CARDUnspent Gift Card Funds
ACQ_STMT_REQUESTAcquirer Request for Cardholder Statement of Fraud
MPQR_OR_MCQRMPQR or MCQR
INTERCHANGEInterchange Discrepancy (Non-Brazil Domestic)
THIRD_PARTY_ALL_OTHERAll Other Rules Violations-3rd-Party Processed Transactions
ALL_OTHERAll Other Rules Violations
NON_MC_MAESTRO_CNPNon-Mastercard Maestro Card-Not-Present
Available options:
INACCURATE_AUTH,
INACCURATE_CLEARING,
CHARGEBACK_EXCEEDS_TIMEFRAME,
INVALID_SUBSEQUENT_FIRST_PRESENTMENT,
SAME_DAY_PROCESSING,
REFUND_OR_CORRECTION,
SEND_RI_OR_PAYMENT,
SEND_OI,
FEE_COLLECTION,
ATM_DCC,
MATCH,
UNSPENT_GIFT_CARD,
ACQ_STMT_REQUEST,
MPQR_OR_MCQR,
INTERCHANGE,
THIRD_PARTY_ALL_OTHER,
ALL_OTHER,
NON_MC_MAESTRO_CNP
​
violation_date
string<date-time>

The timestamp representing when the violation occurred.