Respond to Chargeback Dispute using the API

The process of responding to a Chargeback utilizes the following endpoints:

Endpoint	Description
`/chargebackStatuses/{id}`	Used to check on the logged status changes of a Chargeback.
`/chargebackDocuments`	Used to create a record on the server for a chargeback document or file upload
`/files/chargebackDocuments/{chargebackDocumentId}`	Used to upload the actual chargeback evidence file, such as document or image, and associate it with the `chargebackDocument` server record.
`/chargebackMessages`	Used to send a Merchant response to an Issuer about a specific Dispute Stage option (Accept Liability or Respond with Evidence).

Required Chargeback Response Headers

Each of the endpoints above will require specific headers:

Chargeback Response Endpoint Headers

Check Chargeback Status Header

CODE

GET /chargebackStatuses HTTP/1.1
Content-Type: application/json
Host: api-test.payrix.com
APIKEY: {yourAPIKey}

Document Record Header

CODE

POST /chargebackDocuments HTTP/1.1
Content-Type: application/json
Host: api-test.payrix.com
APIKEY: {yourAPIKey}

File Upload Headers

CODE

POST /files/chargebackDocuments/{chargebackDocumentId} HTTP/1.1
Content-Length: 226
Content-Type: multipart/form-data; boundary=----WebKitFormBoundary7MA4YWxkTrZu0gW

------WebKitFormBoundary7MA4YWxkTrZu0gW
Content-Disposition: form-data; name="file"; filename="{yourDocumentFile}"
Content-Type: application/json
Host: api-test.payrix.com

(Form Data Placeholder)
------WebKitFormBoundary7MA4YWxkTrZu0gW--

Chargeback Response Message Header

CODE

POST /chargebackMessages HTTP/1.1
Content-Type: application/json
Host: api-test.payrix.com
APIKEY: {yourAPIKey}

Responding to a Chargeback

With the steps below, you’ll utilize a combination of Chargeback web alerts to receive updates on changes to the Chargeback process and various endpoints to check the status, respond to, and provide evidence for the Merchant’s Chargeback response:

Retrieve the Chargeback ID
Find the Chargeback Status (Dispute Stage)
Create a chargebackDocument Record for Your Evidence Upload
Upload each Evidence File to the associated chargebackDocument Record
Submit your Response to the Chargeback’s Status using a Chargeback Message

The steps below assume you would like to continue to dispute the transaction chargeback for each dispute stage of the chargeback cycle. To accept liability for any chargeback, see the Accepting Liability section below.

Tip: If you’re already familiar with Steps 1-4, visit the response options on Step 5 for specific request bodies for each chargeback response type.

Step 1: Retrieve the Chargeback ID

After receiving a Chargeback Created web alert, retrieve the Chargeback ID from the Alert and retrieve the value under the disputeId or id parameters shown in the alert response. You can also make a request using

Chargeback Created Example

CODE

{
  "response": {
    "alert": {
      "subject": "You have a new notification on a dispute",
      "disputeId": "p1_chb_z5f5e49bd2f7a3ba06df72", // Chargeback ID
      "disputeCaseId": "123456789",
      "disputeCreated": "10-14-2020",
      "disputeCycle": "First",
      "disclaimer": false,
      "disputeReasonCode": "V1305",
      "disputeReason": "Misrepresentation",
      "disputeResponseDue": "11-12-2020",
      "disputeStatus": "Open",
      "paymentLastFour": "5656",
      "paymentType": "Visa",
      "txnId": "p1_txn_ID",
      "txnAmount": "29.99",
      "txnCardHolder": "",
      "txnCreated": "08-10-2020"
    },
    "data": [
      {
        "id": "p1_chb_z5f5e49bd2f7a3ba06df72", // Chargeback ID
        "created": "2020-10-14 01:03:06.4441",
        "modified": "2020-10-14 01:03:06.4441",
        "creator": "000000000000001",
        "modifier": "000000000000001",
        "merchant": "p1_mer_ID",
        "txn": "p1_txn_ID",
        "mid": "8888888888888",
        "description": "",
        "total": 2999,
        "representedTotal": null,
        "cycle": "first",
        "currency": "USD",
        "platform": "VCORE",
        "ref": "123456789",
        "reason": "Misrepresentation",
        "reasonCode": "V1305",
        "issued": "20201013",
        "received": null,
        "reply": "20201112",
        "bankRef": "99999999999999999999",
        "ChargebackRef": "123456789",
        "status": "open",
        "lastStatusChange": null,
        "inactive": 0,
        "frozen": 0,
        "actionable": "0"
      }
    ]
  }
}

Step 2: Get the Chargeback Status (Dispute Stage)

Using the Chargeback ID you captured from Step 1, make the following API call to find the current status of the Chargeback.

Click here to see API code examples for getting the status of an open Chargeback.

Host URL

CODE

https://api.payrix.com/

Method, Endpoint & Headers

CODE

GET /chargebackStatuses/{id} HTTP/1.1
Content-Type: application/json
Host: api-test.payrix.com
APIKEY: {yourAPIKey}

Path Parameter

Description

{id}

The unique Chargeback ID.

Format Example: t1_chb_5fea5e49bd2f7a3ba06df72

Example Response Body

CODE

{
      "id": "t1_chs_123abc4d567890efg1h2i34",
      "created": "2024-03-29T21:26:55.016Z",
      "modified": "2024-03-29T21:26:55.016Z",
      "creator": "string",
      "modifier": "string",
      "chargeback": "string",
      "chargebackMessage": "string",
      "status": "open"
    }

Click here for response body parameter descriptions.

Parameter	Type	Description	Format & Valid Values
`id`	string	The Chargeback status ID.	Format: `t1_chs_123abc4d567890efg1h2i34`
`created`	string	The date and time when the Chargeback was created.	Format: YYYY-MM-DD HH:MM:SS (UTC) Example: `2024-03-29T21:26:55.016Z`
`modified`	string	The date and time when the Chargeback was last modified.	Format: YYYY-MM-DD HH:MM:SS (UTC) Example: `2024-03-29T21:26:55.016Z`
`creator`	string	The login ID for the creator of the Chargeback.	Format: `t1_log_123abc4d567890efg1h2i34`
`modifier`	string	The Login ID for the user that last updated the Chargeback.	Format: `t1_log_123abc4d567890efg1h2i34`
`Chargeback`	string	The Chargeback ID	Format: `t1_chb_123abc4d567890efg1h2i34`
`ChargebackMessage`	string	The current chargebackMessage record ID, if applicable.	Format: `t1_chm_123abc4d567890efg1h2i34`
`status`	string	The current status of the Chargeback.	Valid Values `open` - Chargeback is open, responses may be submitted. `closed` - Chargeback is closed, responses may no longer be submitted. `won` - Chargeback won. `lost` - Chargeback lost.

Step 3: Create a Chargeback Document Record for Your Evidence Upload

To prepare the server to accept your file upload and properly associate it with your portfolio and specific chargeback, you must first create a chargebackDocuments record.

Create a Chargeback Document Record

Host URL

CODE

https://api.payrix.com/

Method, Endpoint & Headers

CODE

POST /chargebackDocuments HTTP/1.1
Content-Type: application/json
Host: api-test.payrix.com
APIKEY: {yourAPIKey}

Example Request Body

CODE

{
  "chargeback": "t1_chb_123abc4d567890efg1h2i34",
  "ref": "receipt_1",
  "type": "jpg",
  "name": "Receipt 1",
  "description": "Receipt showing customer signature for the transaction.",
  "status": "created",
  "inactive": "0",
  "frozen": "0",
}

Example Response Body

CODE

{
  "id": "t1_chd_123abc4d567890efg1h2i34",
  "created": "2024-03-29T21:26:55.016Z",
  "modified": "2024-03-29T21:26:55.016Z",
  "creator": "t1_log_123abc4d567890efg1h2i34",
  "modifier": "t1_log_123abc4d567890efg1h2i34",
  "chargeback": "t1_chb_123abc4d567890efg1h2i34",
  "ref": "receipt_1",
  "type": "jpg",
  "name": "Receipt 1",
  "description": "Receipt showing customer signature for the transaction.",
  "status": "created",
  "inactive": "0",
  "frozen": "0",
}

/chargebackDocuments - Parameter Descriptions

Request Body

Parameter	Type	Required	Description	Format & Valid Values
`chargeback`	id	Required	The Chargeback ID that this `chargebackDocument` record relates to.	Format: `t1_chb_123abc4d567890efg1h2i34`
`type`	string	Optional	The type of the file that holds this `chargebackDocument`.	Valid Values `jpg` - JPG `jpeg` - JPEG `gif` - GIF `png` - PNG `pdf` - PDF `tiff` - TIFF `tif` - TIF The value is set when the file is properly associated, otherwise will be null.
`ref`	string	Optional	The reference ID of this `chargebackDocument`.	This field is stored as a text string and must be between 1 and 100 characters long. The value is set when the file is properly associated, otherwise will be null.
`description`	string	Optional	The description of this `chargebackDocument`.	This field is stored as a text string and must be between 1 and 100 characters long.
`status`	string	Required	The current status of the `chargebackDocument`asso-ciating the record to the chargeback.	Valid Values `created` - The ChargebackDocument has been created. `processed` - The ChargebackDocument integration has been successful. `failed` - The ChargebackDocument integration has failed.
`name`	string	Optional	The name of this `chargebackDocument`.	This field is stored as a text string and must be between 1 and 100 characters long. The value is set when the file is created and properly associated. Holds the real file name used by the user.
`inactive`	boolean	Required	Whether this `chargebackDocument`is marked as inactive.	`0` - Active `1` - Inactive
`frozen`	boolean	Required	Whether this `chargebackDocument`is marked as frozen.	`0` - Not Frozen `1` - Frozen

Response Body

Parameter	Type	Description	Format & Valid Values
`id`	id	The `chargebackDocument` record ID.	Format: `t1_chd_123abc4d567890efg1h2i34`
`created`	date-time	The time that the `chargebackDocument` record was originally created.	Format: YYYY-MM-DD HH:MM:SS (UTC) Example: `2024-03-29T21:26:55.016Z`
`modified`	date-time	The time that the `chargebackDocument` record was most recently modified.	Format: YYYY-MM-DD HH:MM:SS (UTC) Example: `2024-03-29T21:26:55.016Z`
`creator`	id	The Login (User) ID for the user that created the `chargebackDocument` record.	Format: `t1_log_123abc4d567890efg1h2i34`
`modifier`	id	The Login (User) ID for the user that most recently modified the `chargebackDocument` record.	Format: `t1_log_123abc4d567890efg1h2i34`
`chargeback`	id	The Chargeback ID that this `chargebackDocument` record relates to.	Format: `t1_chb_123abc4d567890efg1h2i34`
`type`	string	The type of the file that holds this `chargebackDocument`.	Valid Values `jpg` - JPG `jpeg` - JPEG `gif` - GIF `png` - PNG `pdf` - PDF `tiff` - TIFF `tif` - TIF The value is set when the file is properly associated, otherwise will be null.
`ref`	string	The reference ID of this `chargebackDocument`.	This field is stored as a text string and must be between 1 and 100 characters long. The value is set when the file is properly associated, otherwise will be null.
`description`	string	The description of this `chargebackDocument`.	This field is stored as a text string and must be between 1 and 100 characters long.
`status`	string	The current status of the `chargebackDocument`associating the record to the chargeback.	Valid Values created The ChargebackDocument has been created. processed The ChargebackDocument integration has been successful. failed The ChargebackDocument integration has failed.
`name`	string	The name of this `chargebackDocument`.	This field is stored as a text string and must be between 1 and 100 characters long. The value is set when the file is created and properly associated. Holds the real file name used by the user.
`inactive`	boolean	Whether this `chargebackDocument`is marked as inactive.	`0` - Active `1` - Inactive
`frozen`	boolean	Whether this `chargebackDocument`is marked as frozen.	`0` - Not Frozen `1` - Frozen

Warning: You must repeat this step for each file you intend to upload. You cannot upload multiple files to a single chargebackDocuments record.

Step 4: Upload the File to the associated Chargeback Document Record

Now that you’ve created the chargebackDocument record to associate your file to the specific chargeback, use the steps below to upload each evidence document you wish to upload.

Upload and Associate the File to the chargebackDocuments Record

Host URL

CODE

https://api.payrix.com/

Method, Endpoint & Headers

CODE

POST /files/chargebackDocuments/{chargebackDocumentId} HTTP/1.1
Content-Length: 226
Content-Type: multipart/form-data; boundary=----WebKitFormBoundary7MA4YWxkTrZu0gW

------WebKitFormBoundary7MA4YWxkTrZu0gW
Content-Disposition: form-data; name="file"; filename="{yourDocumentFile}"
Content-Type: application/json
Host: api-test.payrix.com
APIKEY: {yourAPIKey}

(Form Data Placeholder)
------WebKitFormBoundary7MA4YWxkTrZu0gW--

Type

Parameter

Description

Path Parameter

{chargebackDocumentId}

The chargebackDocument record ID created in response to Step 3 above.

Format: t1_chd_123abc4d567890efg1h2i34

Header Parameter

{yourDocumentFile}

The file path to your file being uploaded and associated with the specified chargebackDocument record.

There is no standard request body here as the file upload uses a file path in the header and associates the file to the chargebackDocuments record using the {chargebackDocumentId} as a direct API path parameter.

Example Response Body

CODE

{
  "id": "t1_fil_123abc4d567890efg1h2i34",
  "created": "2024-03-29T21:26:55.016Z",
  "modified": "2024-03-29T21:26:55.016Z",
  "creator": "t1_log_123abc4d567890efg1h2i34",
  "modifier": "t1_log_123abc4d567890efg1h2i34",
  "credential": "t1_cdt_123abc4d567890efg1h2i34",
  "type": "jpg",
  "integration": "Payrix",
  "direction": "upload",
  "status": "pending",
  "retries": 0,
  "name": "Receipt 1 - t1_chd_123abc4d567890efg1h2i34",
  "inactive": 0,
  "frozen": 0
}

/files - Parameter Descriptions

Request Body

Parameter	Type	Required	Description	Format & Valid Values
`credential`	id	Required	The authorization credential ID for the entity creating the upload.	Format: `t1_cdt_123abc4d567890efg1h2i34`
`type`	string	Optional	The type of file being uploaded.	Valid Values `jpg` `jpeg` `gif` `png` `pdf` `tif` `tiff` `txt` `xml` `asc` `rtf` `csv` `xls` `doc` `odt` `ods` `json` `soap`
`integration`	string	Required	The processor the Merchant associated with the chargeback is integrated with	Valid Values APPLE ELAVON FEDACH FIRSTDATA NEUTRINO OFAC PAYRIX PLAID SIFT SOCURE SOUNDPAYMENTS TDBANK TDBANKCA VANTIV VCORE WEBSHIELD WELLSACH WELLSFARGO WFSINGLE WORLDPAY
`direction`	string	Required	Whether the file was uploaded for storage or downloaded for viewing.	`upload` - Uploaded `download` - Downloaded
`status`	string	Optional	The status of the upload or download, if applicable.	Valid Values pending complete failed_all failed_transfer failed_disk_save
`retries`	number	Required	The number of attempts to upload or download the file before marking the status as a failure.	Can be between 1 and 10.
`name`	string	Optional	The custom name for the file.	This field is stored as a text string and must be between 1 and 150 characters long.
`inactive`	boolean	Required	Whether this file is marked as inactive.	`0` - Active `1` - Inactive
`frozen`	boolean	Required	Whether this file is marked as frozen.	`0` - Not Frozen `1` - Frozen

Response Body

Parameter	Type	Description	Format & Valid Values
`id`	id	The newly created`file` record ID.	Format: `t1_fil_123abc4d567890efg1h2i34`
`created`	date-time	The time that the `file record` was originally created.	Format: YYYY-MM-DD HH:MM:SS (UTC) Example: `2024-03-29T21:26:55.016Z`
`modified`	date-time	The time that the `file record ID.` was most recently modified.	Format: YYYY-MM-DD HH:MM:SS (UTC) Example: `2024-03-29T21:26:55.016Z`
`creator`	id	The Login (User) ID for the user that created the `file record`.	Format: `t1_log_123abc4d567890efg1h2i34`
`modifier`	id	The Login (User) ID for the user that most recently modified the `file record`.	Format: `t1_log_123abc4d567890efg1h2i34`
`credential`	id	The authorization credential ID for the entity creating the upload.	Format: `t1_cdt_123abc4d567890efg1h2i34`
`type`	string	The type of file being uploaded.	Valid Values `jpg` `jpeg` `gif` `png` `pdf` `tif` `tiff` `txt` `xml` `asc` `rtf` `csv` `xls` `doc` `odt` `ods` `json` `soap`
`integration`	string	The processor the Merchant associated with the chargeback is integrated with	Valid Values APPLE ELAVON FEDACH FIRSTDATA NEUTRINO OFAC PAYRIX PLAID SIFT SOCURE SOUNDPAYMENTS TDBANK TDBANKCA VANTIV VCORE WEBSHIELD WELLSACH WELLSFARGO WFSINGLE WORLDPAY
`direction`	string	Whether the file was uploaded for storage or downloaded for viewing.	`upload` - Uploaded `download` - Downloaded
`status`	string	The status of the upload or download, if applicable.	Valid Values pending complete failed_all failed_transfer failed_disk_save
`retries`	number	The number of attempts to upload or download the file before marking the status as a failure.	Can be between 1 and 10.
`name`	string	The custom name for the file.	This field is stored as a text string and must be between 1 and 150 characters long.
`inactive`	boolean	Whether this file is marked as inactive.	`0` - Active `1` - Inactive
`frozen`	boolean	Whether this file is marked as frozen.	`0` - Not Frozen `1` - Frozen

Step 5: Submit your Response using a Chargeback Message

Once each of your evidence files has been uploaded by repeating Steps 4 and 5 above for each document, you’ll submit your response to the current chargeback status using the steps below.

Submit the Chargeback Message for the associated Chargeback

Host URL

CODE

https://api.payrix.com/

Method, Endpoint & Headers

CODE

POST /chargebackMessages HTTP/1.1
Content-Type: application/json
Host: api-test.payrix.com
APIKEY: {yourAPIKey}

Request Bodies by Cycle and Stage

The following table outlines the flow for disputing a customer chargeback through the Pre-Arbitration dispute stage. See Accepting Liability below for steps to accept the chargeback.

Chargeback Cycle	Dispute Stage	Request Body
Retrieval	Retrieval	CODE `{ "type": "respond" "contact": "example@examplemail.com", "note": "{Your custom note}", "chargeback": "{chargebackID}", "date": "{currentDate}", }`
Chargeback	First Chargeback	CODE `{ "type": "represent" "contact": "example@examplemail.com", "note": "{Your custom note}", "chargeback": "{chargebackID}", "date": "{currentDate}", }`
	Representment	No available actions You submit your documents when choosing represent on a first chargeback, so there are no available actions in this phase
	Pre-Arbitration _{(Visa, MasterCard & Amex)}	CODE `{ "type": "represent" "contact": "example@examplemail.com", "note": "{Your custom note}", "chargeback": "{chargebackID}", "date": "{currentDate}", }`
	Pre-Arbitration _(Discover)	CODE `{ "type": "respond" "contact": "example@examplemail.com", "note": "{Your custom note}", "chargeback": "{chargebackID}", "date": "{currentDate}", }`
Resolution	Arbitration	CODE `{ "type": "acceptLiability" "amount": "{chargebackAmount}", "chargeback": "{chargebackID}", "date": "{currentDate}", }`

Tip: If you are unsure of the card type for Pre-Arbitration, make the following request and look for the "method" parameter:

GET /chargebacks/{id}?expand[txn][payment][]
1 = Amex, 2 = Visa, 3 = Mastercard, 4 = Diner's Club, 5 = Discover

Example Response Body

/chargebackMessages - Parameter Descriptions

Request Body

Parameter	Required	Type	Description	Format & Valid Values
`type`	Required	string	The type of Chargeback message (response).	Valid Values `assign` - Assign to a Risk Analyst. `notate` - Add a Note Only. `acceptLiability` - Accept Liability for the Chargeback. `createPreArbitration` - Begin Pre-Arbitration `represent` - Begin the Representment stage. `respond` - Respond to a generic Merchant dispute update. `requestArbitration` - Request Arbitration as the next stage. `requestPreArbitration` - Request Pre-Arbitration as the next stage. `requestResolutionToPreArbitration` - Request an issuer-provided resolution `respondToDispute` - Respond to a dispute that has passed representment. `repsondToPreArbitration` - Respond to a Pre-Arbitration update. `unaccept` - Revoke previously Accepted Liability for the chargeback.
`status`	Required	string	The status of the Chargeback Message.	Valid Values requested processing failed denied processed
`imported`	Required	boolean	Whether or not the chargeback was imported from another platform.	`0` - Not Imported `1` - Imported
`contact`	Required	email	Provide the email you wish to receive updates about the Chargeback.	Must use a valid email address. Up to 100 characters may be used.
`note`	Optional	string	A custom note for the response that can be found in the Payrix Pro system.	Alphanumeric text string that can be up to 10,000 characters.
`chargeback`	Required	string	The Chargeback ID associated with the response message.	Must be a valid chargeback ID. Format: `t1_chb_123abc4d567890efg1h2i34`
`date`	Optional	date	The current date of your Chargeback response.	8-digit date and time format: `YYYYMMDD`
`amount`	Optional	number	The amount being accepted for the chargeback. Typically the full amount.	This number is an integer in cents. Example: `123400` = $1234.00

Response Body

Parameter	Type	Description	Format & Valid Values
`id`	id	The `chargebackMessage record` ID.	Format: `t1_chm_123abc4d567890efg1h2i34`
`created`	date-time	The time that the `chargebackMessage record` was originally created.	Format: YYYY-MM-DD HH:MM:SS (UTC) Example: `2024-03-29T21:26:55.016Z`
`modified`	date-time	The time that the `chargebackMessage` record was most recently modified.	Format: YYYY-MM-DD HH:MM:SS (UTC) Example: `2024-03-29T21:26:55.016Z`
`creator`	id	The Login (User) ID for the user that created the `chargebackMessage` record.	Format: `t1_log_123abc4d567890efg1h2i34`
`modifier`	id	The Login (User) ID for the user that most recently modified the `chargebackMessage` record.	Format: `t1_log_123abc4d567890efg1h2i34`
`status`	string	The status of the `chargebackMessage`.	Valid Values requested processing failed denied processed
`imported`	boolean	Whether or not the `chargebackMessage` was imported from another platform.	`0` - Not Imported `1` - Imported
`type`	string	The type of Chargeback message (response).	Valid Values `assign` - Assign to a Risk Analyst. `notate` - Add a Note Only. `acceptLiability` - Accept Liability for the Chargeback. `createPreArbitration` - Begin Pre-Arbitration `represent` - Begin the Representment stage. `respond` - Respond to a generic Merchant dispute update. `requestArbitration` - Request Arbitration as the next stage. `requestPreArbitration` - Request Pre-Arbitration as the next stage. `requestResolutionToPreArbitration` - Request an issuer-provided resolution `respondToDispute` - Respond to a dispute that has passed representment. `repsondToPreArbitration` - Respond to a Pre-Arbitration update. `unaccept` - Revoke previously Accepted Liability for the chargeback.
`contact`	email	Provide the email you wish to receive updates about the Chargeback.	Must use a valid email address. Up to 100 characters may be used.
`note`	string	A custom note for the response that can be found in the Payrix Pro system.	Alphanumeric text string that can be up to 10,000 characters.
`chargeback`	string	The Chargeback ID associated with the response message.	Must be a valid chargeback ID. Format: `t1_chb_123abc4d567890efg1h2i34`
`date`	date	The current date of your Chargeback response.	8-digit date and time format: `YYYYMMDD`
`amount`	number	The amount being accepted for the chargeback. Typically the full amount.	This number is an integer in cents. Example: `123400` = $1234.00

Step 6: Await Issuer Response

After submitting your response and supporting evidence, you’ll need to await a decision from the Issuer. There is no action required while awaiting a decision.

When the Issuer makes a decision based on the evidence provided by the Merchant, a new web alert for Chargeback Won or Chargeback Lost will be sent to notify the Merchant of the decision shown in the disputeStatus field:

won- The Issuer has reached a decision in favor of the Merchant. This decision can be challenged by the cardholder and escalated to the next Dispute stage.
lost - The Issuer has reached a decision in favor of the Cardholder. This decision will be final and cannot be challenged by the Merchant.

Chargeback Won Web Alert Example

CODE

{
  "response": {
    "alert": {
      "subject": "You have a new notification on a dispute",
      "disputeId": "p1_chb_ID",
      "disputeCaseId": "123456789",
      "disputeCreated": "10-13-2020",
      "disputeCycle": "First",
      "disclaimer": false,
      "disputeReasonCode": "M2713",
      "disputeReason": "Invalid Chargeback",
      "disputeResponseDue": "11-11-2020",
      "disputeStatus": "Won", /// Dispute Status
      "paymentLastFour": "1111",
      "paymentType": "Master Card",
      "txnId": "p1_txn_ID",
      "txnAmount": "111.93",
      "txnCardHolder": "",
      "txnCreated": "09-26-2020"
    },
    "data": []
  }
}

Chargeback Lost Web Alert Example

CODE

{
  "response": {
    "alert": {
      "subject": "You have a new notification on a dispute",
      "disputeId": "p1_chb_ID",
      "disputeCaseId": "123456789",
      "disputeCreated": "10-06-2020",
      "disputeCycle": "First",
      "disclaimer": false,
      "disputeReasonCode": "C08",
      "disputeReason": "Cardmember claims to have not received (or only partially received) the goods/services",
      "disputeResponseDue": "10-13-2020",
      "disputeStatus": "Closed",
      "paymentLastFour": "0101",
      "paymentType": "Amex",
      "txnId": "p1_txn_ID",
      "txnAmount": "200.00",
      "txnCardHolder": "",
      "txnCreated": "08-14-2020"
    },
    "data": []
  }
}

Step 7: Reaching a Final Issuer Decision

Repeat Steps 2-5 as needed until the Issuer reaches a final decision in the Chargeback process that either:

The Cardholder accepts and concedes to given the evidence provided by the Merchant, or;
Has reached the Arbitration stage, resulting in a final, incontestable decision from the third-party card brand network.

Accepting Liability

Merchants can directly accept responsibility for the chargeback due to a fault of their own at any time during the Chargeback cycle during the First Chargeback and Pre-Arbitration dispute stages.

Note: At the Arbitration stage, nothing can be done except to Accept Liability for the decision made by the issuer.

As shown above, you’ll use the same POST /chargebackMessagesendpoint and request method that you did in Step 5, but you’ll change the type parameter value in the request body to acceptLiability.

Dispute Stage	Request Body
First Chargeback	CODE `{ "type": "acceptLiability" "amount": "{chargebackAmount}", "chargeback": "{chargebackID}", "date": "20240529", }`
Pre-Arbitration
Arbitration

Checking your Portfolio for Chargebacks

Below are additional API endpoint requests that can be made to check on the general list of all new and existing Chargebacks in your portfolio for a higher-level overview.

There are multiple API endpoint resources associated with Chargebacks, however, all you will generally use is /chargebacks which will return all the necessary results necessary to track the stages of a Chargeback.

CODE

https://api.payrix.com/chargebacks

Chargeback Response Fields

See a general list of reoccurring Chargeback response body parameters that a Merchant will encounter throughout the Chargeback process:

Click here to see a list of all Chargeback response fields and their individual descriptions.

Field	Description
`id`	The system-generated Chargeback ID.
`created`	Date and time of when Chargeback was created
`modified`	Date and time of when Chargeback was last modified
`creator`	The Login ID of the user created the Chargeback
`modifier`	The Login ID of the user who last modified the Chargeback
`merchant`	The Merchant ID associated with the Chargeback.
`txn`	The Transaction ID for the payment transaction being disputed.
`mid`	The payment processor’s MID number (such as Vantiv, or WorldPay).
`description`	Summary of the reason for the Chargeback.
`total`	The total transaction amount for the associated transaction being disputed.
`representedTotal`	The total for this Chargeback if it has been represented.
`paymentMethod`	The type of payment method used in the transaction being disputed. Valid Values: `1` - American Express `2` - Visa `3` - MasterCard `4` - Diners Club `5` - Discover `6` - PayPal `7` - Debit card `8` - Checking account `9` - Savings account `10` - Corporate checking account `11` - Corporate savings account `12` - Gift card `13` - EBT card `14` - WIC card
`cycle`	The Chargeback Cycle. Valid Values: `retrieval` - Cycle to collect initial documentation. `first` - Cycle to initiate first transaction Chargeback. `arbitration` - Cycle for Arbitration `reversal` – Cycle to reverse charged-back funds to the Merchant account. `representment` - Cycle to submit evidence supporting Merchant’s claims. `preArbitration` - Cycle to submit more evidence for Arbitration. `arbitrationLost` - Arbitration decision was ruled against the Merchant. `arbitrationSplit` - Arbitration decision splits the disputed amount into a partial Chargeback. `arbitrationWon` - Arbitration decision was ruled in favor of the Merchant. `issuerAcceptPreArbitration` - The Issuer accepted the Merchant’s Pre-Arbitration acceptance request. `issuerDeclinedPreArbitration` - The Issuer denied the Merchant’s Pre-Arbitration acceptance request. `responseToIssuerPreArbitration` - The Merchant’s decision to accept liability or proceed with Arbitration when requested. `merchantAcceptedPreArbitration` - The Merchant has decided to proceed with Arbitration. `merchantDeclinedPreArbitration` - The Merchant has decided to accept liability for the Dispute and concede the Chargeback. `preCompliance` - `compliance`
`currency`	Currency Code. Default Value: `USD`. Valid Values: `AED` - United Arab Emirates dirham `AFN` - Afghan afghani `ALL` - Albanian lek `AMD` - Armenian dram `ANG` - Netherlands Antillean guilder `AOA` - Angolan kwanza `ARS` - Argentine peso `AUD` - Australian dollar `AWG` - Aruban florin `AZN` - Azerbaijani manat `BAM` - Bosnia and Herzegovina convertible mark `BBD` - Barbados dollar `BDT` - Bangladeshi taka `BGN` - Bulgarian lev `BHD` - Bahraini dinar `BIF` - Burundian franc `BMD` - Bermudian dollar `BND` - Brunei dollar `BOB` - Boliviano `BOV` - Bolivian Mvdol `BRL` - Brazilian real `BSD` - Bahamian dollar `BTN` - Bhutanese ngultrum `BWP` - Botswana pula `BYN` - Belarusian ruble `BZD` - Belize dollar `CAD` - Canadian dollar `CDF` - Congolese franc `CHE` - WIR Euro `CHF` - Swiss franc `CHW` - WIR Franc `CLF` - Unidad de Fomento `CLP` - Chilean peso `CNY` - Renminbi (Chinese) yuan `COP` - Colombian peso `COU` - Unidad de Valor Real `CRC` - Costa Rican colon `CUC` - Cuban convertible peso `CUP` - Cuban peso `CVE` - Cape Verde escudo `CZK` - Czech koruna `DJF` - Djiboutian franc `DKK` - Danish krone `DOP` - Dominican peso `DZD` - Algerian dinar `EGP` - Egyptian pound `ERN` - Eritrean nakfa `ETB` - Ethiopian birr `EUR` - Euro `FJD` - Fiji dollar `FKP` - Falkland Islands pound `GBP` - Pound sterling `GEL` - Georgian lari `GHS` - Ghanaian cedi `GIP` - Gibraltar pound `GMD` - Gambian dalasi `GNF` - Guinean franc `GTQ` - Guatemalan quetzal `GYD` - Guyanese dollar `HKD` - Hong Kong dollar `HNL` - Honduran lempira `HRK` - Croatian kuna `HTG` - Haitian gourde `HUF` - Hungarian forint `IDR` - Indonesian rupiah `ILS` - Israeli new shekel `INR` - Indian rupee `IQD` - Iraqi dinar `IRR` - Iranian rial `ISK` - Icelandic króna `JMD` - Jamaican dollar `JOD` - Jordanian dinar `JPY` - Japanese yen `KES` - Kenyan shilling `KGS` - Kyrgyzstani som `KHR` - Cambodian riel `KMF` - Comoro franc `KPW` - North Korean won `KRW` - South Korean won `KWD` - Kuwaiti dinar `KYD` - Cayman Islands dollar `KZT` - Kazakhstani tenge `LAK` - Lao kip `LBP` - Lebanese pound `LKR` - Sri Lankan rupee `LRD` - Liberian dollar `LSL` - Lesotho loti `LYD` - Libyan dinar `MAD` - Moroccan dirham `MDL` - Moldovan leu `MGA` - Malagasy ariary `MKD` - Macedonian denar `MMK` - Myanmar kyat `MNT` - Mongolian tögrög `MOP` - Macanese pataca `MRU` - Mauritanian ouguiya `MUR` - Mauritian rupee `MVR` - Maldivian rufiyaa `MWK` - Malawian kwacha `MXN` - Mexican peso `MXV` - Mexican Unidad de Inversion `MYR` - Malaysian ringgit `MZN` - Mozambican metical `NAD` - Namibian dollar `NGN` - Nigerian naira `NIO` - Nicaraguan córdoba `NOK` - Norwegian krone `NPR` - Nepalese rupee `NZD` - New Zealand dollar `OMR` - Omani rial `PAB` - Panamanian balboa `PEN` - Peruvian sol `PGK` - Papua New Guinean kina `PHP` - Philippine piso `PKR` - Pakistani rupee `PLN` - Polish złoty `PYG` - Paraguayan guaraní `QAR` - Qatari riyal `RON` - Romanian leu `RSD` - Serbian dinar `RUB` - Russian ruble `RWF` - Rwandan franc `SAR` - Saudi riyal `SBD` - Solomon Islands dollar `SCR` - Seychelles rupee `SDG` - Sudanese pound `SEK` - Swedish krona/kronor `SGD` - Singapore dollar `SHP` - Saint Helena pound `SLL` - Sierra Leonean leone `SOS` - Somali shilling `SRD` - Surinamese dollar `SSP` - South Sudanese pound `STN` - São Tomé and Príncipe dobra `SVC` - Salvadoran colón `SYP` - Syrian pound `SZL` - Swazi lilangeni `THB` - Thai baht `TJS` - Tajikistani somoni `TMT` - Turkmenistan manat `TND` - Tunisian dinar `TOP` - Tongan pa'anga `TRY` - Turkish lira `TTD` - Trinidad and Tobago dollar `TWD` - New Taiwan dollar `TZS` - Tanzanian shilling `UAH` - Ukrainian hryvnia `UGX` - Ugandan shilling `USD` - United States dollar `USN` - United States dollar `UYI` - Uruguay Peso en Unidades Indexadas `UYU` - Uruguayan peso `UZS` - Uzbekistan som `VEF` - Venezuelan bolívar `VND` - Vietnamese đồng `VUV` - Vanuatu vatu `WST` - Samoan tala `XAF` - CFA franc BEAC `XAG` - Silver `XAU` - Gold `XBA` - European Composite Unit `XBB` - European Monetary Unit `XBC` - European Unit of Account `XBD` - European Unit of Account `XCD` - East Caribbean dollar `XDR` - Special drawing rights `XOF` - CFA franc BCEAO `XPD` - Palladium `XPF` - CFP franc `XPT` - Platinum `XSU` - SUCRE `XUA` - ADB Unit of Account `YER` - Yemeni rial `ZAR` - South African rand `ZMW` - Zambian kwacha `ZWL` - Zimbabwean dollar
`platform`	The platform used to process the transaction being disputed. Valid Values: `APPLE` - Apple Payment Processor `ELAVON` - ELAVON Payment Processor `FIRSTDATA` - FirstData Payment Processor `GOOGLE` - Google Payment Processor `VANTIV` - WorldPay / Vantiv eComm Payment Processor (VAP) `VCORE` - WorldPay / Vantiv Core Payment Processor `WELLSACH` - Wells Fargo Merchant Services Payment Processor (ACH) `WELLSFARGO` - Wells Fargo Merchant Services Payment Processor `WFSINGLE` - Wells Fargo Single Payment Processor
`ref`	Chargeback Processing Reference Number
`reason`	Reason for the Chargeback
`reasonCode`	Reason Code for the Chargeback that is provided by the Card Brand. Valid Values: Visa `10.1` - EMV Liability Shift Counterfeit Fraud `10.2` - EMV Liability Shift Non-Counterfeit Fraud `10.3` - Other Fraud: Card-Present Environment / Condition `10.4` - Other Fraud: Card-absent Environment / Condition `10.5` - Visa Fraud Monitoring Program `11.1` - Card Recovery Bulletin `11.2` - Declined Authorization `11.3` - No Authorization `12.1` - Late Presentment `12.2` - Incorrect Transaction Code `12.3` - Incorrect Currency `12.4` - Incorrect Account Number `12.5` - Incorrect Amount `12.6` - Duplicate Processing / Paid by Other Means `12.7` - Invalid Data `13.1` - Merchandise / Services Not Received `13.2` - Canceled Recurring Transaction `13.3` - Not as Described or Defective Merchandise / Services `13.4` - Counterfeit Merchandise `13.5` - Misrepresentation `13.6` - Credit Not Processed `13.7` - Canceled Merchandise / Services `13.8` - Original Credit Transaction Not Accepted `13.9` - Non-receipt of Cash or Load Transaction Value MasterCard `4837` - No Cardholder Authorization `4840` - Fraudulent Processing of Transactions `4849` - Questionable Merchant Activity `4863` - Cardholder Does Not Recognize / Potential Fraud `4870` - Chip Liability Shift `4871` - Chip / PIN Liability Shift--Lost / Stolen / Never Received Issue (NRI) Fraud `4807` - Warning Bulletin File `4808` - Authorization-Related Chargeback `4812` - Account Number Not on File `4831` - Transaction Amount Differs `4834` - Point of Interaction Error `4842` - Late Presentment `4846` - Incorrect Currency Code `4841` - Canceled Recurring or Digital Goods Transactions `4853` - Cardholder Dispute `4854` - Cardholder Dispute - Not Elsewhere Classified `4855` - Goods or Services Not Provided `4859` - No Show / Addendum / ATM Dispute `4860` - Credit Not Processed American Express (AMEX) `FR2` - Fraud Full Recourse Program `FR4` - Immediate Chargeback Program `FR6` - Partial Immediate Chargeback Program `F10` - Missing Imprint `F14` - Missing Signature `F24` - No Cardmember Authorization `F29` - Card Not Present `F30` - EMV Counterfeit `F31` - EMV List / Stolen / Non-received Inquiry / Miscellaneous `R03` - Insufficient Reply `R13` - No reply `M01` - Chargeback Authorization `A01` - Charge amount exceeds the authorization amount `A02` - No valid authorization `A08` - Authorization approval expire `P01` - Unassigned Card Number `P03` - Credit Processed as Charge `P04` - Charge Processed as Credit `P05` - Incorrect Charge Amount `P07` - Late Submission `P08` - Duplicate Charge `P22` - No-Matching Card Number `P23` - Currency Discrepancy `C02` - Credit not processed `C04` - Goods/services returned or refused `C05` - Goods/services canceled `C08` - Goods / Services Not Received or Only Partially Received `C14` - Paid by Other Means `C18` - Rental "No Show" or Car Deposit Canceled `C28` - Canceled Recurring Billing `C31` - Goods / Services Not as Described `C32` - Goods / Services Damaged or Defective `M10` - Vehicle Rental - Capital Damages `M49` - Vehicle Rental - Theft or Loss of Use Discover `UA01` - Fraud / Card Present Environment `UA02` - Fraud / Card-Not-Present Environment `UA05` - Fraud / Counterfeit Chip Transaction `UA06` - Fraud / Chip-and-Pin Transaction `UA10` - Request Transaction Receipt (swiped card transactions) `UA11` - Cardholder claims fraud (swiped transaction, no signature) `AT` - Authorization Non-compliance `DA` - Declined Authorization `EX` - Expired Card `NA` - No Authorization `IN` - Invalid Card Number `LP` - Late Presentment `AA` - Cardholder Does Not Recognize `AP` - Canceled Recurring Transaction `AW` - Altered Amount `CD` - Credit Posted as Card Sale `DP` - Duplicate Processing `IC` - Illegible Sales Data `NF` - Non-Receipt of Cash from ATM `PM` - Paid by Other Means `RG` - Non-Receipt of Goods or Services `RM` - Quality Discrepancy `RN2` - Credit Not Received `NC` - Not Classified
`issued`	Date the Chargeback is issued (Format: `YYYYMMDD`)
`received`	Date the Chargeback was received by processor (Format: `YYYYMMDD`)
`reply`	Latest date by which the response must be received by (Format: `YYYYMMDD`)
`bankRef`	Bank reference code associated with the Chargeback Dispute.
`ChargebackRef`	Chargeback reference code used by Processor.
`status`	The current status of the Chargeback. Valid Values: `open` - Chargeback is open, responses may be submitted `closed` - Chargeback is closed, responses may no longer be submitted `won` - Chargeback won `lost` - Chargeback lost
`lastStatusChange`	The Chargeback Status ID of the most recent Chargeback Status change.
`inactive`	Whether this Chargeback resource is inactive or not. Valid Values: `0` - Active `1` - Inactive
`frozen`	Whether this Chargeback resource is frozen or not. Valid Values: `0` - Not Frozen `1` - Frozen
`actionable`	Whether the Chargeback is actionable (i.e. can be responded to via API).

List all Chargebacks

Use this endpoint to list all Chargebacks under your portfolio with pagination options.

Click here to see API code examples for listing all open Chargebacks

URL

CODE

GET https://api.payrix.com/chargebacks

Header

CODE

Content-Type:application/json
APIKEY:{{private_api_key}}

Example Response

JSON

{
    "response": {
        "data": [
            {
                "id": "t1_chb_5fea5e49bd2f7a3ba06df72",
                "created": "2020-12-28 17:38:01.7793",
                "modified": "2020-12-28 17:38:01.7935",
                "creator": "000000000000001",
                "modifier": "000000000000001",
                "merchant": "t1_mer_5f875e548f62ed646775219",
                "txn": "t1_txn_5fe3d62cbec10cdb32b95be",
                "description": "",
                "total": 1,
                "representedTotal": null,
                "cycle": "first",
                "currency": "USD",
                "ref": "160919504560649",
                "reason": "Allocation Flow - Fraud - Card Absent Environment",
                "reasonCode": "10.4",
                "issued": 20201226,
                "received": 20201227,
                "reply": 20210127,
                "bankRef": "160919504560649",
                "ChargebackRef": "04560649",
                "status": "closed",
                "inactive": 0,
                "frozen": 0,
                "lastStatusChange": "t1_chs_5fea5e49be9210af1d606f7",
                "actionable": 1,
                "paymentMethod": null,
                "shadow": 0
            }
        ],
        "details": {
            "requestId": 1,
            "totals": [],
            "page": {
                "current": 1,
                "last": 1,
                "hasMore": false
            }
        },
        "errors": []
    }
}

Retrieve a Chargeback by its ID

Use this endpoint to get information about a specific Chargeback within your portfolio using its unique Chargeback ID.

Click here to see API code examples for listing all open Chargebacks

URL

CODE

GET https://api.payrix.com/chargebacks/{id}

Header

CODE

Content-Type:application/json
APIKEY:{{private_api_key}}

Example Response

JSON

{
    "response": {
        "data": [
            {
                "id": "t1_chb_5fea5e49bd2f7a3ba06df72",
                "created": "2020-12-28 17:38:01.7793",
                "modified": "2020-12-28 17:38:01.7935",
                "creator": "000000000000001",
                "modifier": "000000000000001",
                "merchant": "t1_mer_5f875e548f62ed646775219",
                "txn": "t1_txn_5fe3d62cbec10cdb32b95be",
                "description": "",
                "total": 1,
                "representedTotal": null,
                "cycle": "first",
                "currency": "USD",
                "ref": "160919504560649",
                "reason": "Allocation Flow - Fraud - Card Absent Environment",
                "reasonCode": "10.4",
                "issued": 20201226,
                "received": 20201227,
                "reply": 20210127,
                "bankRef": "160919504560649",
                "ChargebackRef": "04560649",
                "status": "closed",
                "inactive": 0,
                "frozen": 0,
                "lastStatusChange": "t1_chs_5fea5e49be9210af1d606f7",
                "actionable": 1,
                "paymentMethod": null,
                "shadow": 0
            }
        ],
        "details": {
            "requestId": 1,
            "totals": [],
            "page": {
                "current": 1,
                "last": 1,
                "hasMore": false
            }
        },
        "errors": []
    }
}

Click here for path parameter descriptions.

Path Parameter

Description

{id}

The unique Chargeback ID.

Format Example: t1_chb_5fea5e49bd2f7a3ba06df72

Chargeback Web Alert Notifications

If you haven’t set Chargeback web alerts to be notified, it is recommended that you first set a webhook alert trigger for the following Chargeback events (Dispute Actions):

Alert Trigger	Description
`Chargeback.Created`	A new Dispute has been created through retrieval.
`Chargeback.Opened`	A First Chargeback has been initiated by a Cardholder’s issuer.
`Chargeback.Won`	A Chargeback was decided by the Issuer in favor of the Merchant.
`Chargeback.Lost`	A Chargeback was decided by the Issuer in favor of the Cardholder.
`Chargeback.Closed`	A final decision has been reached and the Chargeback process has been closed.

The below response bodies are examples of what different data each Chargeback Web Alert will provide:

Web Alert Responses

Alert Trigger	Response Body
`Chargeback.Created`	Chargeback Created CODE { "response": { "alert": { "subject": "You have a new notification on a dispute", "disputeId": "p1_chb_ID", "disputeCaseId": "123456789", "disputeCreated": "10-14-2020", "disputeCycle": "First", "disclaimer": false, "disputeReasonCode": "V1305", "disputeReason": "Misrepresentation", "disputeResponseDue": "11-12-2020", "disputeStatus": "Open", "paymentLastFour": "5656", "paymentType": "Visa", "txnId": "p1_txn_ID", "txnAmount": "29.99", "txnCardHolder": "", "txnCreated": "08-10-2020" }, "data": [ { "id": "p1_chb_ID", "created": "2020-10-14 01:03:06.4441", "modified": "2020-10-14 01:03:06.4441", "creator": "000000000000001", "modifier": "000000000000001", "merchant": "p1_mer_ID", "txn": "p1_txn_ID", "mid": "8888888888888", "description": "", "total": 2999, "representedTotal": null, "cycle": "first", "currency": "USD", "platform": "VCORE", "ref": "123456789", "reason": "Misrepresentation", "reasonCode": "V1305", "issued": "20201013", "received": null, "reply": "20201112", "bankRef": "99999999999999999999", "chargebackRef": "123456789", "status": "open", "lastStatusChange": null, "inactive": 0, "frozen": 0, "actionable": "0" } ] } }
`Chargeback.Opened`	Chargeback Opened CODE `{ "response": { "alert": { "subject": "You have a new Dispute", "disputeId": "p1_chb_ID", "disputeCaseId": "000000000000", "disputeCreated": "10-14-2020", "disputeCycle": "First", "disclaimer": false, "disputeReasonCode": "V1305", "disputeReason": "Misrepresentation", "disputeResponseDue": "11-12-2020", "disputeStatus": "Open", "paymentLastFour": "4242", "paymentType": "Visa", "txnId": "p1_txn_ID", "txnAmount": "29.99", "txnCardHolder": "", "txnCreated": "08-10-2020" }, "data": [] } }`
`Chargeback.Won`	Chargeback Won CODE { "response": { "alert": { "subject": "You have a new notification on a dispute", "disputeId": "p1_chb_ID", "disputeCaseId": "123456789", "disputeCreated": "10-13-2020", "disputeCycle": "First", "disclaimer": false, "disputeReasonCode": "M2713", "disputeReason": "Invalid chargeback", "disputeResponseDue": "11-11-2020", "disputeStatus": "Won", "paymentLastFour": "1111", "paymentType": "Master Card", "txnId": "p1_txn_ID", "txnAmount": "111.93", "txnCardHolder": "", "txnCreated": "09-26-2020" }, "data": [] } }
`Chargeback.Lost`	Chargeback Lost CODE { "response": { "alert": { "subject": "You have a new notification on a dispute", "disputeId": "p1_chb_ID", "disputeCaseId": "123456789", "disputeCreated": "10-06-2020", "disputeCycle": "First", "disclaimer": false, "disputeReasonCode": "C08", "disputeReason": "Cardmember claims to have not received (or only partially received) the goods/services", "disputeResponseDue": "10-13-2020", "disputeStatus": "Closed", "paymentLastFour": "0101", "paymentType": "Amex", "txnId": "p1_txn_ID", "txnAmount": "200.00", "txnCardHolder": "", "txnCreated": "08-14-2020" }, "data": [] } }
`Chargeback.Closed`	Chargeback Closed CODE { "response": { "alert": { "subject": "You have a new notification on a dispute", "disputeId": "p1_chb_ID", "disputeCaseId": "123456789", "disputeCreated": "10-06-2020", "disputeCycle": "First", "disclaimer": false, "disputeReasonCode": "C08", "disputeReason": "Cardmember claims to have not received (or only partially received) the goods/services", "disputeResponseDue": "10-13-2020", "disputeStatus": "Closed", "paymentLastFour": "4242", "paymentType": "Amex", "txnId": "p1_txn_ID", "txnAmount": "200.00", "txnCardHolder": "", "txnCreated": "08-14-2020" }, "data": [ { "id": "p1_chb_ID", "created": "2020-10-06 17:04:26.7647", "modified": "2020-10-13 20:38:57.3945", "creator": "000000000000001", "modifier": "p1_log_ID", "merchant": "p1_mer_ID", "txn": "p1_txn_ID", "description": "", "total": 20000, "representedTotal": null, "cycle": "first", "currency": "USD", "ref": "99999999999999", "reason": "Cardmember claims to have not received (or only partially received) the goods/services", "reasonCode": "C08", "issued": 20201006, "received": 20201006, "reply": 20201013, "bankRef": "00000000000000000000000", "chargebackRef": "ref-0123", "status": "closed", "lastStatusChange": "p1_chs_ID", "inactive": 0, "frozen": 0, "actionable": 1 } ] } }

By configuring this Web Alert you’ll be provided with updates about the status of the Dispute as well as the Chargeback ID which will be required to respond to a specific Chargeback using the API.

Click here to learn how to configure Web Alerts.