Create new dispute
As the card issuer, you can create a dispute over transactions that the cardholder does not recognize.
Before creating a dispute, check if it is eligible to be disputed:
  • It has not been less than 90 days since the transaction was made.
  • The transaction has not been previously refunded or disputed.
  • If the dispute involves goods or services provided by a merchant, make sure the cardholder has exhausted all means to resolve the problem directly, which may result in a refund and make a dispute unnecessary.
post
https://api.dlocal.com/issuing/disputes
Create new dispute

Dispute's object

Request Attributes

Dispute Object
Dispute Evidence Object
Property
Type
Description
merchant_reference*
String
Merchant reference.
transaction_id*
String
Unique identifier for the transaction.
dispute_evidence*
Object
Evidence for the dispute.
amount
Number
Amount disputed. If not provided, it is considered the total amount of the transaction.
Property
Type
Description
owner_has_card*
Boolean
Indicate if the cardholder has the card in it possession.
dispute_type*
String
The reason for filing the dispute. Its value will match the field containing the evidence. Enum (Eg: ‘Fraudulent’)
dispute_subtype*
String
Detailed reason for filing the dispute.
dispute_explanation*
String
A description of the transaction and why the cardholder is disputing the purchase. Length: 200 chr.

Response Attributes

Dispute Object
Dispute Evidence Object
Property
Type
Description
merchant_reference
String
Merchant reference.
dispute_id
String
Unique identifier for the dispute.
status
String
Current status of the dispute.
status_code
String
The status code of the dispute.
status_detail
String
The status code detail of the dispute.
created_at
String
Date and time in which the dispute was created.
last_updated
String
Date and time in which the dispute was last updated.
dispute_evidence
Object
Evidence for the dispute.
amount
Number
Amount disputed.
Property
Type
Description
owner_has_card
Boolean
Indicate if the cardholder has the card in it possession.
dispute_type
String
The reason for filing the dispute.
Enum (Eg.‘Fraudulent’)
dispute_subtype
String
The sub reason type for filling the dispute.
dispute_explanation
String
A description of the transaction and why the cardholder is disputing the purchase.

Disputes types

Dispute type
Dispute Sub type
Description
FRAUD
LOST_CARD_TRANSACTIONS
Cardholder claims that the card is lost and has not authorized or participated in a transaction.
FRAUD
STOLEN_CARD_TRANSACTIONS
Cardholder claims that the card was stolen and has not authorized or participated in a transaction.
FRAUD
FRAUDULENT_TRANSACTIONS
Transactions were made without the cardholder's permission and acknowledges.
PROCESSING_ERROR
INCORRECT_CURRENCY
The currency used in the Transaction is different from the one that was transmitted.
PROCESSING_ERROR
INCORRECT_TRANSACTION_AMOUNT
Cardholder informs that the amount charged was higher or lower than expected and proves through receipt of the transaction.
PROCESSING_ERROR
FAILED_ATM_WITHDRAWAL
Cardholder informs that the ATM didn't dispense the money.
PROCESSING_ERROR
DUPLICATED_PAYMENT
Double processing or payment by other means: There was an attempt to pay with a prepaid card and the purchase happened twice or for some reason the transaction was not confirmed and the cardholder decided to pay the purchase by other means of payment.
COMMERCIAL_DISAGREEMENT
SERVICE_NOT_PROVIDED
Cardholder did not receive the service hired.
COMMERCIAL_DISAGREEMENT
GOODS_NOT_RECEIVED
Cardholder did not receive the goods purchased.
COMMERCIAL_DISAGREEMENT
CANCELLED_RECURRING_TRANSACTION
Cardholder has canceled the receipt of goods and/or service, but continues to be charged on a credit card invoice and/or prepaid card statement.
COMMERCIAL_DISAGREEMENT
GOODS_RETURNED
When the merchant has not processed the credit referring to the cancelation of a transaction and the cardholder has a statement of cancelation/Goods/services defective or not in conformity with the order
COMMERCIAL_DISAGREEMENT
GOOD_OR_SERVICE_DEFECTIVE
When a product or service received is defective or not in conformity with what was requested and it is charged on the credit card invoice and/or prepaid card statement.

Dispute Error Codes

Status
Status Code
Description
ERROR
4007
Transaction not found
ERROR
7006
Period for dispute already passed.
ERROR
7007
Already exists a dispute for this transaction.

Notifications

Subscribe to the Webhook Disputes events to get notifications after a dispute status has change.
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On this page
post
Create new dispute
Dispute's object
Request Attributes
Response Attributes
Disputes types
Dispute Error Codes
Notifications