An on-us transaction is a payment, card purchase, or check where the issuing bank (the customer's bank) and the acquiring bank (the merchant's or receiver's bank) are the same financial institution. Because the payment stays inside a single bank, it does not need to go through outside card networks like Visa or Mastercard. Any on-us transaction dispute is resolved within that bank, without the need for card network involvement or extra fees.

Create on-us dispute endpoint

Sample Create on-us dispute payload

curl --location 'https://disputes-core-api-ext.internal.pismolabs.io/v1/on-us-dispute' 
--header 'Content-Type: application/json' 
--header 'x-cid: e0000000-0000-0000-0000-000000000000' 
--header 'x-tenant: TN-7364948a-cf8c-423b-bc3b-1fbc251c1301' 
--header 'x-account-id: 327313629' \
--data '{
      "source_identifier": { "id": "10007209824", "type": "AUTHORIZATION" },
      "metadata": { "test_run": "PISMO-349906-sandbox-1" },
      "modality": 1,
      "disputed_amount": 10.00,
      "is_partial": true,
      "comment": "PISMO-349906 sandbox smoke",
      "protocol": "PISMO-349906-sandbox-1"
}'

On-us state machine

Like card network disputes, on-us disputes at Pismo use a state machine to progress the dispute to completion. An event enum is typically passed to Update on-us dispute to transition the dispute status to a new status.