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Create dispute

post
https://sandbox.pismolabs.io/disputes/v1/networkauthorization-disputes

Create a dispute for a Zero or Full balance program. You can create a dispute for a transaction made with a Pismo-issued card (Full balance) or with another card (Zero balance). You need to pass different parameters depending on which one as noted in the parameter descriptions.

Disputes are initially created with a PENDING status. After you've uploaded all your supporting forms and evidence files, call Update dispute status and use the OPEN event to change the status to OPENED and begin the dispute process with the network.

For more information on events and statuses, refer to the Disputes state machine.

This endpoint generates a Dispute installment created event.

Note: For Zero balance customers, this endpoint takes an account token - an access token encoded with a Pismo account ID. Tokens can expire quickly, which can result in a 401 Unauthorized message.

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Body Params

Dispute data

number
required

Each card network, such as Visa or Mastercard, defines and maintains their own unique set of reason codes, which banks that issue credit and debit cards under their brands apply to disputes. Here's a reason code quick reference for the major credit card networks.

For Visa, this would be either 10 (fraud - card present), 11 (authorization), 12 (processing error), or 13 (consumer dispute).

For more infomation, refer to the Visa or Mastercard chargeback quides.

For example - 4853 (Mastercard - cardholder dispute), 12 (Visa - processing error) or 72 (ELO - denied authorization)

number
required

Disputed value

boolean
required
Defaults to false

Open partial dispute? Default is false.

string
enum
required

Network brand

Allowed:
number

Related authorization ID. REQUIRED when disputed in a Full balance program or the network brand is Elo.

string
length ≤ 5000

Client custom dispute comment. REQUIRED for Visa partial dispute to explain why partial.

string
length ≤ 500

Client custom protocol identifier. ID for customer's internal record-keeping.

metadata
object

Can be used for caller's dispute information and process. Objects and name-value pairs.

number

Amount to be disputed on first Installment chargeback.

string
length ≤ 255

Acquirer reference number. REQUIRED when disputed in a Zero balance program.

string

REQUIRED when disputed in a Zero balance program. Format = yyyy-mm-dd

string
enum

REQUIRED when dispute is open to Visa Collaboration (Reason code 12 and 13 and Visa network brand). Collaboration is the new name for Visa's old chargeback process, where each party has several chances to investigate and submit evidence in order to determine whether a chargeback is legitimate.

NR = Merchandise/services not receive
CR = Cancelled recurring transaction
ND = Not as described
DM = Damaged or defective merchandise
Q = Quality
CM = Counterfeit merchandise
M = Misrepresentation
CN = Credit not processed
CS = Cancelled merchandise/services
OC = Original credit not accepted
CL = Non-receipt of cash
TC = Terms of contract (virtual account)
D = Duplicate
IAN = Incorrect account number
IA = Incorrect amount
IC = Incorrect currency
IT = Incorrect transaction code
ID = Invalid data
LP = Late presentment
P = Paid by other means

For VISA, you need to fill out the collaborationQuestionnaire form object in the Create dispute form endpoint.

string

Dispute ISO4217 currency code. Default is 986 - Brazilian real.

This is REQUIRED if you are creating a dispute in a Zero balance program.

string
enum

Fraud type:
0 - Lost
1 - Stolen
2 - Card not received as issued (NRI)
3 - Fraudulent application (cardholder never applied for the card)
4 - Issuer-reported counterfeit
5 - Miscellaneous
6 - Fraudulent use of account number
A = Incorrect processing
B = Account or credentials takeover
C = Merchant misrepresentation
D = Manipulation of account holder

boolean
Defaults to true

Document submission indicator (ELO). Default is true.

boolean

For ELO network, should dispute for airport tax be created? Default is true for ELO.

boolean
Defaults to false

For ELO network, should airport tax be partially disputed? Default is false.

number

Airport tax amount to be disputed. REQUIRED if airport_tax_partial is true.

string

Card number hash.

string

Authorization code

number

Transaction amount

Headers
string
required

Account token - an access token encoded with a Pismo account ID. Tokens can expire quickly, which can result in a 401 Unauthorized message.

Responses

400

Bad Request

401

Unauthorized. Invalid or missing access token.

422

Unprocessable entity

500

Internal server error

Updated 6 days ago

Language
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Bearer
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Updated 6 days ago