Create a dispute action

curl --request POST \
  --url https://api.synctera.com/v2/disputes/{dispute_id}/actions \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "amount": 1,
  "memo": "<string>",
  "message": "<string>",
  "supporting_doc_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
  "updated_reason_code_memo": "<string>"
}
'

import requests

url = "https://api.synctera.com/v2/disputes/{dispute_id}/actions"

payload = {
    "amount": 1,
    "memo": "<string>",
    "message": "<string>",
    "supporting_doc_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
    "updated_reason_code_memo": "<string>"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    amount: 1,
    memo: '<string>',
    message: '<string>',
    supporting_doc_id: '7d943c51-e4ff-4e57-9558-08cab6b963c7',
    updated_reason_code_memo: '<string>'
  })
};

fetch('https://api.synctera.com/v2/disputes/{dispute_id}/actions', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.synctera.com/v2/disputes/{dispute_id}/actions",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'amount' => 1,
    'memo' => '<string>',
    'message' => '<string>',
    'supporting_doc_id' => '7d943c51-e4ff-4e57-9558-08cab6b963c7',
    'updated_reason_code_memo' => '<string>'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.synctera.com/v2/disputes/{dispute_id}/actions"

	payload := strings.NewReader("{\n  \"amount\": 1,\n  \"memo\": \"<string>\",\n  \"message\": \"<string>\",\n  \"supporting_doc_id\": \"7d943c51-e4ff-4e57-9558-08cab6b963c7\",\n  \"updated_reason_code_memo\": \"<string>\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.synctera.com/v2/disputes/{dispute_id}/actions")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"amount\": 1,\n  \"memo\": \"<string>\",\n  \"message\": \"<string>\",\n  \"supporting_doc_id\": \"7d943c51-e4ff-4e57-9558-08cab6b963c7\",\n  \"updated_reason_code_memo\": \"<string>\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.synctera.com/v2/disputes/{dispute_id}/actions")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"amount\": 1,\n  \"memo\": \"<string>\",\n  \"message\": \"<string>\",\n  \"supporting_doc_id\": \"7d943c51-e4ff-4e57-9558-08cab6b963c7\",\n  \"updated_reason_code_memo\": \"<string>\"\n}"

response = http.request(request)
puts response.read_body

{
  "action": "CHARGEBACK",
  "creation_time": "2010-05-06T12:23:34.321Z",
  "id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
  "payment_rail": "CARD",
  "status": "ACCEPTED",
  "tenant": "abcdef_ghijkl",
  "amount": 1,
  "external_reference_id": "<string>",
  "memo": "<string>",
  "message": "<string>",
  "reason_code": "CARD_LOST_STOLEN_NEVER_RECEIVED",
  "representment_reason_code": "INVALID_ACQUIRER_REFERENCE_DATA",
  "supporting_doc_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
  "updated_reason_code_memo": "<string>"
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "missing required fields: first_name, dob",
  "status": 400,
  "title": "Bad Request Body",
  "type": "https://dev.synctera.com/errors/bad-request-body"
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "missing required fields: first_name, dob",
  "status": 400,
  "title": "Bad Request Body",
  "type": "https://dev.synctera.com/errors/bad-request-body"
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "missing required fields: first_name, dob",
  "status": 400,
  "title": "Bad Request Body",
  "type": "https://dev.synctera.com/errors/bad-request-body"
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "missing required fields: first_name, dob",
  "status": 400,
  "title": "Bad Request Body",
  "type": "https://dev.synctera.com/errors/bad-request-body"
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "missing required fields: first_name, dob",
  "status": 400,
  "title": "Bad Request Body",
  "type": "https://dev.synctera.com/errors/bad-request-body"
}

POST

disputes

{dispute_id}

actions

Create a dispute action

curl --request POST \
  --url https://api.synctera.com/v2/disputes/{dispute_id}/actions \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "amount": 1,
  "memo": "<string>",
  "message": "<string>",
  "supporting_doc_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
  "updated_reason_code_memo": "<string>"
}
'

import requests

url = "https://api.synctera.com/v2/disputes/{dispute_id}/actions"

payload = {
    "amount": 1,
    "memo": "<string>",
    "message": "<string>",
    "supporting_doc_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
    "updated_reason_code_memo": "<string>"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    amount: 1,
    memo: '<string>',
    message: '<string>',
    supporting_doc_id: '7d943c51-e4ff-4e57-9558-08cab6b963c7',
    updated_reason_code_memo: '<string>'
  })
};

fetch('https://api.synctera.com/v2/disputes/{dispute_id}/actions', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.synctera.com/v2/disputes/{dispute_id}/actions",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'amount' => 1,
    'memo' => '<string>',
    'message' => '<string>',
    'supporting_doc_id' => '7d943c51-e4ff-4e57-9558-08cab6b963c7',
    'updated_reason_code_memo' => '<string>'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.synctera.com/v2/disputes/{dispute_id}/actions"

	payload := strings.NewReader("{\n  \"amount\": 1,\n  \"memo\": \"<string>\",\n  \"message\": \"<string>\",\n  \"supporting_doc_id\": \"7d943c51-e4ff-4e57-9558-08cab6b963c7\",\n  \"updated_reason_code_memo\": \"<string>\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.synctera.com/v2/disputes/{dispute_id}/actions")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"amount\": 1,\n  \"memo\": \"<string>\",\n  \"message\": \"<string>\",\n  \"supporting_doc_id\": \"7d943c51-e4ff-4e57-9558-08cab6b963c7\",\n  \"updated_reason_code_memo\": \"<string>\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.synctera.com/v2/disputes/{dispute_id}/actions")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"amount\": 1,\n  \"memo\": \"<string>\",\n  \"message\": \"<string>\",\n  \"supporting_doc_id\": \"7d943c51-e4ff-4e57-9558-08cab6b963c7\",\n  \"updated_reason_code_memo\": \"<string>\"\n}"

response = http.request(request)
puts response.read_body

{
  "action": "CHARGEBACK",
  "creation_time": "2010-05-06T12:23:34.321Z",
  "id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
  "payment_rail": "CARD",
  "status": "ACCEPTED",
  "tenant": "abcdef_ghijkl",
  "amount": 1,
  "external_reference_id": "<string>",
  "memo": "<string>",
  "message": "<string>",
  "reason_code": "CARD_LOST_STOLEN_NEVER_RECEIVED",
  "representment_reason_code": "INVALID_ACQUIRER_REFERENCE_DATA",
  "supporting_doc_id": "7d943c51-e4ff-4e57-9558-08cab6b963c7",
  "updated_reason_code_memo": "<string>"
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "missing required fields: first_name, dob",
  "status": 400,
  "title": "Bad Request Body",
  "type": "https://dev.synctera.com/errors/bad-request-body"
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "missing required fields: first_name, dob",
  "status": 400,
  "title": "Bad Request Body",
  "type": "https://dev.synctera.com/errors/bad-request-body"
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "missing required fields: first_name, dob",
  "status": 400,
  "title": "Bad Request Body",
  "type": "https://dev.synctera.com/errors/bad-request-body"
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "missing required fields: first_name, dob",
  "status": 400,
  "title": "Bad Request Body",
  "type": "https://dev.synctera.com/errors/bad-request-body"
}

{
  "code": "BAD_REQUEST_BODY",
  "detail": "missing required fields: first_name, dob",
  "status": 400,
  "title": "Bad Request Body",
  "type": "https://dev.synctera.com/errors/bad-request-body"
}

Authorizations

Authorization

string

header

required

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

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 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,

PROVISIONAL_CREDIT,

WRITE_OFF,

EVIDENCE_GATHERING,

DISPUTE

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,

COMPLETE,

LOST,

NETWORK_REJECT,

NETWORK_REJECT_REVERSAL,

REBUT,

REVERSE,

REFUND,

EXPIRE,

REJECT,

WITHDRAW,

WON

amount

integer<int64>

Optional amount for the action in cents. If not provided, defaults to the dispute amount. Amount is only applicable when creating actions (state: CREATE) and is only supported for specific action types (see table below); amounts provided for other action types or states will be ignored.

Action Type	Maximum Allowed Amount
`CHARGEBACK`	Eligible chargeback amount from network
`PROVISIONAL_CREDIT`	Dispute amount
`WRITE_OFF`	Dispute amount

Required range: x >= 0

memo

string

Memo text related to card dispute action

Required for PRE_ARBITRATION, ARBITRATION

Maximum string length: 13000

message

string

Message text related to card dispute action

Maximum string length: 100

reason_code

enum<string>

Deprecated reason codes are accepted for backwards compatibility and mapped to their active equivalent. Which codes are active depends on the dispute management version. See the Version 2 rollout for dates, which flow to follow, and a link to the Version 1 guide.

Version 2

Reason Code	Status	Description	Mapped To
AUTHORIZATION_RELATED_CHARGEBACK	Active	The merchant did not have a valid authorization for the transaction. Not used for fraud cases where the cardholder did not participate.
CARDHOLDER_DISPUTE	Active	The dispute reason does not fit any of the other categories.
ATM_CASH_DISPUTE	Active	Some or all of the funds debited from the cardholder's account were not dispensed by an ATM or point of sale terminal.
COUNTERFEIT_GOODS	Active	The cardholder claims that the goods were purported to be genuine, but were counterfeit.
CREDIT_NOT_RECEIVED	Active	The cardholder never received a refund.
DEFECTIVE_GOODS_OR_SERVICES	Active	Goods or services were not as described or unacceptable.
DISPUTE_OF_RECURRING_TRANSACTION	Active	The 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_TRANSACTION	Active	The cardholder was charged more than once, or paid by another means and was also charged on their card.
GOODS_OR_SERVICES_NOT_PROVIDED	Active	The 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.
TRANSACTION_AMOUNT_DIFFERS	Active	The amount of the transaction does not match the agreed-upon or expected amount.
UNAUTHORIZED_TRANSACTION	Active	A fraud claim: the cardholder does not recognize the transaction and asserts that they did not participate in it.
CANCELED_OR_RETURNED	Active	The cardholder canceled services or returned merchandise but was not credited.
NO_CARDHOLDER_AUTHORIZATION	Deprecated	A fraudulent transaction was made without the cardholder's consent.	AUTHORIZATION_RELATED_CHARGEBACK
QUESTIONABLE_MERCHANT_ACTIVITY	Deprecated	The merchant is suspected of being involved in fraudulent activities or violating Mastercard rules.	UNAUTHORIZED_TRANSACTION
CHIP_LIABILITY_SHIFT	Deprecated	A counterfeit card was used at a non-EMV-compliant terminal, and the merchant is held liable for the fraudulent transaction.	UNAUTHORIZED_TRANSACTION
CHIP_PIN_LIABILITY_SHIFT	Deprecated	A lost or stolen chip card was used without PIN verification at a terminal that supports PIN, resulting in merchant liability for the fraudulent transaction.	UNAUTHORIZED_TRANSACTION
POINT_OF_INTERACTION_ERROR	Deprecated	Processing errors such as ATM withdrawal discrepancies, duplicate transactions, late presentments, and amount discrepancies.	DUPLICATE_TRANSACTION
CARD_LOST_STOLEN_NEVER_RECEIVED	Deprecated	The cardholder did not authorize the transaction and the card is no longer, or had never been, in the possession of the cardholder.	UNAUTHORIZED_TRANSACTION
FRAUDULENT_PROCESSING	Deprecated	The 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.	UNAUTHORIZED_TRANSACTION
LATE_PRESENTMENT	Deprecated	The transaction was authorized offline by the chip and submitted for clearing more than 7 calendar days after the transaction date.	AUTHORIZATION_RELATED_CHARGEBACK
PAID_BY_OTHER_MEANS	Deprecated	The cardholder used a different form of payment for this specific transaction. (Mastercard pre-compliance/compliance only)	DUPLICATE_TRANSACTION
TRANSACTION_DID_NOT_COMPLETE	Deprecated	The cardholder engaged in the transaction and claims it did not complete. Goods or services were not provided.	GOODS_OR_SERVICES_NOT_PROVIDED
TRANSACTION_NOT_RECOGNIZED	Deprecated	The account holder does not recognize the transaction, possibly due to mistake or fraud.	UNAUTHORIZED_TRANSACTION

Version 1

Reason Code	Status	Description	Mapped To
NO_CARDHOLDER_AUTHORIZATION	Active	A fraudulent transaction was made without the cardholder's consent.
QUESTIONABLE_MERCHANT_ACTIVITY	Active	The merchant is suspected of being involved in fraudulent activities or violating Mastercard rules.
CHIP_LIABILITY_SHIFT	Active	A counterfeit card was used at a non-EMV-compliant terminal, and the merchant is held liable for the fraudulent transaction.
CHIP_PIN_LIABILITY_SHIFT	Active	A 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_CHARGEBACK	Active	A transaction was processed without obtaining proper authorization.
POINT_OF_INTERACTION_ERROR	Active	Processing errors such as ATM withdrawal discrepancies, duplicate transactions, late presentments, and amount discrepancies.
CARDHOLDER_DISPUTE	Active	Claims for goods and services not received, counterfeit products, recurring transactions, incomplete transactions, hotel no-show charges, and more.
ATM_CASH_DISPUTE	Deprecated	Some or all funds debited from the cardholder's account as the result of an ATM withdrawal were not dispensed.	CARDHOLDER_DISPUTE
CARD_LOST_STOLEN_NEVER_RECEIVED	Deprecated	The cardholder did not authorize the transaction and the card is no longer, or had never been, in the possession of the cardholder.	CHIP_PIN_LIABILITY_SHIFT
COUNTERFEIT_GOODS	Deprecated	The cardholder claims that the goods were purported to be genuine, but were counterfeit.	CARDHOLDER_DISPUTE
CREDIT_NOT_RECEIVED	Deprecated	The cardholder's account was not credited for a refund from a merchant or was inaccurately debited instead of credited.	CARDHOLDER_DISPUTE
DEFECTIVE_GOODS_OR_SERVICES	Deprecated	Goods 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.	CARDHOLDER_DISPUTE
DISPUTE_OF_RECURRING_TRANSACTION	Deprecated	The 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.	CARDHOLDER_DISPUTE
DUPLICATE_TRANSACTION	Deprecated	The same transaction has been processed more than once, resulting in duplicate charges.	POINT_OF_INTERACTION_ERROR
FRAUDULENT_PROCESSING	Deprecated	The 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.	NO_CARDHOLDER_AUTHORIZATION
GOODS_OR_SERVICES_NOT_PROVIDED	Deprecated	The 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.	CARDHOLDER_DISPUTE
LATE_PRESENTMENT	Deprecated	The transaction was authorized offline by the chip and submitted for clearing more than 7 calendar days after the transaction date.	POINT_OF_INTERACTION_ERROR
PAID_BY_OTHER_MEANS	Deprecated	The cardholder used a different form of payment for this specific transaction. (Mastercard pre-compliance/compliance only)	POINT_OF_INTERACTION_ERROR
TRANSACTION_AMOUNT_DIFFERS	Deprecated	The amount of the transaction does not match the agreed-upon or expected amount.	POINT_OF_INTERACTION_ERROR
TRANSACTION_DID_NOT_COMPLETE	Deprecated	The cardholder engaged in the transaction and claims it did not complete. Goods or services were not provided.	CARDHOLDER_DISPUTE
TRANSACTION_NOT_RECOGNIZED	Deprecated	The account holder does not recognize the transaction, possibly due to mistake or fraud.	AUTHORIZATION_RELATED_CHARGEBACK
UNAUTHORIZED_TRANSACTION	Deprecated	The transaction was not authorized by the account holder.	AUTHORIZATION_RELATED_CHARGEBACK

Available options:

CARD_LOST_STOLEN_NEVER_RECEIVED,

FRAUDULENT_PROCESSING,

LATE_PRESENTMENT,

PAID_BY_OTHER_MEANS,

TRANSACTION_DID_NOT_COMPLETE,

TRANSACTION_NOT_RECOGNIZED,

NO_CARDHOLDER_AUTHORIZATION,

QUESTIONABLE_MERCHANT_ACTIVITY,

CHIP_LIABILITY_SHIFT,

CHIP_PIN_LIABILITY_SHIFT,

POINT_OF_INTERACTION_ERROR,

UNAUTHORIZED_TRANSACTION,

AUTHORIZATION_RELATED_CHARGEBACK,

GOODS_OR_SERVICES_NOT_PROVIDED,

DEFECTIVE_GOODS_OR_SERVICES,

CREDIT_NOT_RECEIVED,

DISPUTE_OF_RECURRING_TRANSACTION,

DUPLICATE_TRANSACTION,

TRANSACTION_AMOUNT_DIFFERS,

ATM_CASH_DISPUTE,

CANCELED_OR_RETURNED,

COUNTERFEIT_GOODS,

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 string length: 1000

Response

Successfully created 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,

PROVISIONAL_CREDIT,

WRITE_OFF,

EVIDENCE_GATHERING,

DISPUTE

creation_time

string<date-time>

required

read-only

The timestamp representing when the object was created

Example:

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

string<uuid>

required

read-only

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,

COMPLETED,

LOST,

NETWORK_REJECTED,

NETWORK_REJECTED_REVERSAL,

REBUTTED,

REVERSED,

REFUNDED,

EXPIRED,

REJECTED,

WITHDRAWN,

WON

tenant

string

required

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

Example:

"abcdef_ghijkl"

amount

integer<int64>

The amount of the action in cents.

Required range: x >= 0

external_reference_id

string

Reference ID associated with the action on the external network.

memo

string

Memo text related to card dispute action

message

string

Message text related to card dispute action

reason_code

enum<string>

Version 2

Reason Code	Status	Description	Mapped To
AUTHORIZATION_RELATED_CHARGEBACK	Active	The merchant did not have a valid authorization for the transaction. Not used for fraud cases where the cardholder did not participate.
CARDHOLDER_DISPUTE	Active	The dispute reason does not fit any of the other categories.
ATM_CASH_DISPUTE	Active	Some or all of the funds debited from the cardholder's account were not dispensed by an ATM or point of sale terminal.
COUNTERFEIT_GOODS	Active	The cardholder claims that the goods were purported to be genuine, but were counterfeit.
CREDIT_NOT_RECEIVED	Active	The cardholder never received a refund.
DEFECTIVE_GOODS_OR_SERVICES	Active	Goods or services were not as described or unacceptable.
DISPUTE_OF_RECURRING_TRANSACTION	Active	The 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_TRANSACTION	Active	The cardholder was charged more than once, or paid by another means and was also charged on their card.
GOODS_OR_SERVICES_NOT_PROVIDED	Active	The 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.
TRANSACTION_AMOUNT_DIFFERS	Active	The amount of the transaction does not match the agreed-upon or expected amount.
UNAUTHORIZED_TRANSACTION	Active	A fraud claim: the cardholder does not recognize the transaction and asserts that they did not participate in it.
CANCELED_OR_RETURNED	Active	The cardholder canceled services or returned merchandise but was not credited.
NO_CARDHOLDER_AUTHORIZATION	Deprecated	A fraudulent transaction was made without the cardholder's consent.	AUTHORIZATION_RELATED_CHARGEBACK
QUESTIONABLE_MERCHANT_ACTIVITY	Deprecated	The merchant is suspected of being involved in fraudulent activities or violating Mastercard rules.	UNAUTHORIZED_TRANSACTION
CHIP_LIABILITY_SHIFT	Deprecated	A counterfeit card was used at a non-EMV-compliant terminal, and the merchant is held liable for the fraudulent transaction.	UNAUTHORIZED_TRANSACTION
CHIP_PIN_LIABILITY_SHIFT	Deprecated	A lost or stolen chip card was used without PIN verification at a terminal that supports PIN, resulting in merchant liability for the fraudulent transaction.	UNAUTHORIZED_TRANSACTION
POINT_OF_INTERACTION_ERROR	Deprecated	Processing errors such as ATM withdrawal discrepancies, duplicate transactions, late presentments, and amount discrepancies.	DUPLICATE_TRANSACTION
CARD_LOST_STOLEN_NEVER_RECEIVED	Deprecated	The cardholder did not authorize the transaction and the card is no longer, or had never been, in the possession of the cardholder.	UNAUTHORIZED_TRANSACTION
FRAUDULENT_PROCESSING	Deprecated	The 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.	UNAUTHORIZED_TRANSACTION
LATE_PRESENTMENT	Deprecated	The transaction was authorized offline by the chip and submitted for clearing more than 7 calendar days after the transaction date.	AUTHORIZATION_RELATED_CHARGEBACK
PAID_BY_OTHER_MEANS	Deprecated	The cardholder used a different form of payment for this specific transaction. (Mastercard pre-compliance/compliance only)	DUPLICATE_TRANSACTION
TRANSACTION_DID_NOT_COMPLETE	Deprecated	The cardholder engaged in the transaction and claims it did not complete. Goods or services were not provided.	GOODS_OR_SERVICES_NOT_PROVIDED
TRANSACTION_NOT_RECOGNIZED	Deprecated	The account holder does not recognize the transaction, possibly due to mistake or fraud.	UNAUTHORIZED_TRANSACTION

Version 1

Reason Code	Status	Description	Mapped To
NO_CARDHOLDER_AUTHORIZATION	Active	A fraudulent transaction was made without the cardholder's consent.
QUESTIONABLE_MERCHANT_ACTIVITY	Active	The merchant is suspected of being involved in fraudulent activities or violating Mastercard rules.
CHIP_LIABILITY_SHIFT	Active	A counterfeit card was used at a non-EMV-compliant terminal, and the merchant is held liable for the fraudulent transaction.
CHIP_PIN_LIABILITY_SHIFT	Active	A 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_CHARGEBACK	Active	A transaction was processed without obtaining proper authorization.
POINT_OF_INTERACTION_ERROR	Active	Processing errors such as ATM withdrawal discrepancies, duplicate transactions, late presentments, and amount discrepancies.
CARDHOLDER_DISPUTE	Active	Claims for goods and services not received, counterfeit products, recurring transactions, incomplete transactions, hotel no-show charges, and more.
ATM_CASH_DISPUTE	Deprecated	Some or all funds debited from the cardholder's account as the result of an ATM withdrawal were not dispensed.	CARDHOLDER_DISPUTE
CARD_LOST_STOLEN_NEVER_RECEIVED	Deprecated	The cardholder did not authorize the transaction and the card is no longer, or had never been, in the possession of the cardholder.	CHIP_PIN_LIABILITY_SHIFT
COUNTERFEIT_GOODS	Deprecated	The cardholder claims that the goods were purported to be genuine, but were counterfeit.	CARDHOLDER_DISPUTE
CREDIT_NOT_RECEIVED	Deprecated	The cardholder's account was not credited for a refund from a merchant or was inaccurately debited instead of credited.	CARDHOLDER_DISPUTE
DEFECTIVE_GOODS_OR_SERVICES	Deprecated	Goods 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.	CARDHOLDER_DISPUTE
DISPUTE_OF_RECURRING_TRANSACTION	Deprecated	The 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.	CARDHOLDER_DISPUTE
DUPLICATE_TRANSACTION	Deprecated	The same transaction has been processed more than once, resulting in duplicate charges.	POINT_OF_INTERACTION_ERROR
FRAUDULENT_PROCESSING	Deprecated	The 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.	NO_CARDHOLDER_AUTHORIZATION
GOODS_OR_SERVICES_NOT_PROVIDED	Deprecated	The 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.	CARDHOLDER_DISPUTE
LATE_PRESENTMENT	Deprecated	The transaction was authorized offline by the chip and submitted for clearing more than 7 calendar days after the transaction date.	POINT_OF_INTERACTION_ERROR
PAID_BY_OTHER_MEANS	Deprecated	The cardholder used a different form of payment for this specific transaction. (Mastercard pre-compliance/compliance only)	POINT_OF_INTERACTION_ERROR
TRANSACTION_AMOUNT_DIFFERS	Deprecated	The amount of the transaction does not match the agreed-upon or expected amount.	POINT_OF_INTERACTION_ERROR
TRANSACTION_DID_NOT_COMPLETE	Deprecated	The cardholder engaged in the transaction and claims it did not complete. Goods or services were not provided.	CARDHOLDER_DISPUTE
TRANSACTION_NOT_RECOGNIZED	Deprecated	The account holder does not recognize the transaction, possibly due to mistake or fraud.	AUTHORIZATION_RELATED_CHARGEBACK
UNAUTHORIZED_TRANSACTION	Deprecated	The transaction was not authorized by the account holder.	AUTHORIZATION_RELATED_CHARGEBACK

Available options:

CARD_LOST_STOLEN_NEVER_RECEIVED,

FRAUDULENT_PROCESSING,

LATE_PRESENTMENT,

PAID_BY_OTHER_MEANS,

TRANSACTION_DID_NOT_COMPLETE,

TRANSACTION_NOT_RECOGNIZED,

NO_CARDHOLDER_AUTHORIZATION,

QUESTIONABLE_MERCHANT_ACTIVITY,

CHIP_LIABILITY_SHIFT,

CHIP_PIN_LIABILITY_SHIFT,

POINT_OF_INTERACTION_ERROR,

UNAUTHORIZED_TRANSACTION,

AUTHORIZATION_RELATED_CHARGEBACK,

GOODS_OR_SERVICES_NOT_PROVIDED,

DEFECTIVE_GOODS_OR_SERVICES,

CREDIT_NOT_RECEIVED,

DISPUTE_OF_RECURRING_TRANSACTION,

DUPLICATE_TRANSACTION,

TRANSACTION_AMOUNT_DIFFERS,

ATM_CASH_DISPUTE,

CANCELED_OR_RETURNED,

COUNTERFEIT_GOODS,

CARDHOLDER_DISPUTE

representment_reason_code

enum<string>

Reason Code	Description
INVALID_ACQUIRER_REFERENCE_DATA	The combination of primary account number and acquirer reference data on the chargeback does not match the information in the first presentment.
NON_RECEIPT_OF_DOCUMENTATION	Required documentation was not received.
DOCUMENTATION_INELIGIBLE	Documentation is ineligible to the point where it cannot be established that the chargeback is valid.
DOCUMENTATION_SCANNING_ERROR	Documentation is a partial scan with missing information, or relates to another transaction.
CORRECT_TRANSACTION_DATE	Chargeback can be remedied by providing the correct transaction date.
CORRECT_MERCHANT_LOCATION	Chargeback can be remedied by providing new information in the form of a different merchant name or location.
ISSUER_AUTHORIZED	Chargeback can be remedied by providing information that the transaction was properly authorized.
CREDIT_PREVIOUSLY_ISSUED	Chargeback can be remedied by providing evidence that the merchant issued a credit to the cardholders account.
CHARGEBACK_REMEDIED	Evidence to remedy the chargeback is included in the supporting documentation adn no other message code is applicable.
DUPLICATE_CHARGEBACK	A first chargeback has already been processed for the transaction.
PAST_CHARGEBACK_TIME_LIMIT	The chargeback was processed past the time limit allowed for chargeback.
INVALID_DATA_RECORD_TEXT	Information that is required to appear in the Data Record and the required message text is missing or incomplete.
CORRECT_MCC	Chargeback can be remedied by showing that the MCC assigned to the merchant is different from the MCC appearing on the first presentment.
AUTHORIZATION_ADVISED_SUSPICIOUS	Transaction meets the requirements for a Suspicious Transaction.
NO_AUTHORIZATION_REQUEST_REQUIRED_OR_ATTEMPTED	Transaction was below the applicable floor limit, and the merchant did not request an authorization.
ACCOUNT_NOT_LISTED_ON_EWB	The account number was not included in the applicable Electronic Warning Bulletin as of the date the card was first presented to the merchant.
INVALID_CHARGEBACK	The chargeback does not meet the prerequisites for the chargeback message reason code.
CHIP_LIABILITY_SHIFT	Invoke chip liability shift in response and as final remedy to a first chargeback submitted under reason code 4837.
CHIP_PIN_LIABILITY_SHIFT	Invoke 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>

read-only

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.

Synctera API

Customers

Accounts

Cards

Money Movement

Transactions

Platform

Simulations

Create a dispute action

Authorizations

Headers

Path Parameters

Body

Version 2

Version 1

Response

Version 2

Version 1