When Accel or STAR opens a dispute, the disputed funds are debited from your account. You then have 30 days<\/strong> to defend or accept the dispute.<\/p>\n Accel and STAR have two dispute resolution flows:<\/p>\n The Accel and STAR resolution flow for disputes with Fraud<\/a> reason codes is as follows:<\/p>\n The issuing bank initiated a Notification of Chargeback (NoC). The NoC can occur immediately after the payment status changes to Settled or Refunded. We send you a NOTIFICATION_OF_CHARGEBACK<\/a> webhook. The dispute process has started, and money will be withdrawn from your account.<\/p>\n The chargeback debit usually occurs a few days after you receive the NoC.<\/p>\n The 30-day period in which you can defend the dispute starts now.<\/p>\n<\/div>\n The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason<\/a>.<\/p>\n We assign the dispute to you for review in your Customer Area<\/a> > Revenue & risk<\/strong> > Disputes<\/strong>. The NotificationOfChargeback<\/strong> and Chargeback<\/strong> journals are booked, and we send you a CHARGEBACK<\/a> webhook. At the same time, your account is debited for the chargeback amount.<\/p>\n After your review, you can decide to either:<\/p>\n Defend the dispute. You need to upload the relevant defense documents in your Customer Area<\/a> or using the Disputes API<\/a>. You must provide your defense documents within 30 days after receiving the NoC<\/strong>. There is no opportunity later in the process to provide information or to update information you provided.<\/p>\n<\/li>\n<\/ul>\n Adyen received your defense documents and forwarded them to the scheme. It is no longer possible to change these documents. The InformationSupplied<\/strong> journal is booked and we send you an INFORMATION_SUPPLIED<\/a> webhook.<\/p>\n Adyen automatically creates a pre-arbitration case containing your documents and forwards them to the issuing bank. The bank has 30 days<\/strong> to review the documents and respond by accepting or declining the case.<\/p>\n If the bank accepts the pre-arbitration, we book the PreArbitrationWon<\/strong> and ChargebackReversed<\/strong> journals. ChargebackReversed<\/strong> is the final status.<\/p>\n If the bank declines the pre-arbitration, we book a PreArbitrationLost<\/strong> journal. The status of the dispute remains Chargeback<\/strong>.<\/p>\n Because the pre-arbitration was resolved in your favor, the disputed amount is transferred back to your account. The ChargebackReversed<\/strong> journal is booked and we send you a CHARGEBACK_REVERSED<\/a> webhook. ChargebackReversed<\/strong> is the final status of the dispute.<\/p>\n The Accel and STAR resolution flow for non-fraud disputes is as follows:<\/p>\n The issuing bank initiated a Notification of Chargeback (NoC). The NoC can occur immediately after the payment status changes to Settled or Refunded. We send you a NOTIFICATION_OF_CHARGEBACK<\/a> webhook. The dispute process has started, and money will be withdrawn from your account.<\/p>\n The chargeback debit usually occurs a few days after you receive the NoC.<\/p>\n The 30-day period in which you can defend the dispute starts now.<\/p>\n<\/div>\n The issuing bank initiates the first chargeback on behalf of the cardholder by sending a chargeback notification to Adyen stating the dispute reason<\/a>.<\/p>\n We assign the dispute to you for review in your Customer Area<\/a> > Revenue & risk<\/strong> > Disputes<\/strong>. The NotificationOfChargeback<\/strong> and Chargeback<\/strong> journals are booked, and we send you a CHARGEBACK<\/a> webhook. At the same time, your account is debited for the chargeback amount.<\/p>\n After your review, you can decide to either:<\/p>\n Defend the dispute. You need to upload the relevant defense documents in your Customer Area<\/a> or using the Disputes API<\/a>. You must provide your defense documents within 30 days after receiving the NoC<\/strong>. There is no opportunity later in the process to provide information or to update information you provided.<\/p>\n<\/li>\n<\/ul>\n Adyen received your defense documents and forwarded them to the scheme. It is no longer possible to change these documents. The InformationSupplied<\/strong> journal is booked and we send you an INFORMATION_SUPPLIED<\/a> webhook.<\/p>\n The disputed amount is temporarily transferred back to your account while the issuing bank reviews your defense. The ChargebackReversed<\/strong> journal is booked and we send you a CHARGEBACK_REVERSED<\/a> webhook.<\/p>\n If the issuing bank accepts your defense, this becomes the final status and the case is closed.<\/p>\n After reviewing your defense, the cardholder can challenge your evidence. If this occurs, the issuing bank initiates a pre-arbitration case and sends it to Adyen within 30 days<\/strong> of the ChargebackReversed<\/strong> date.<\/p>\n If Adyen accepts their pre-arbitration case, a second chargeback occurs.<\/p>\n The chargeback amount that was previously returned to your account is debited from your account again. The SecondChargeback<\/strong> journal is booked, and we send you a SECOND_CHARGEBACK<\/a> webhook. This is the final status.<\/p>\n\n
Fraud dispute flow<\/h2>\n
\n
![\"Accel](\"\/user\/pages\/docs\/10.risk-management\/21.chargeback-guidelines\/accel-star-chargebacks\/accel-star-fraud-dispute-flow.png\")
<\/p>\nNotification of Chargeback<\/h3>\n
First Chargeback<\/h3>\n
\n
\nSee Defense requirements<\/a> for file formats and for defense documents per dispute type. Be sure to address the dispute reason and provide information that supports your position. An overview of the order details is not enough.<\/p>\nInformation Supplied<\/h3>\n
Pre-arbitration<\/h3>\n
Chargeback Reversed<\/h3>\n
Non-fraud dispute flow<\/h2>\n
\n
![\"Accel](\"\/user\/pages\/docs\/10.risk-management\/21.chargeback-guidelines\/accel-star-chargebacks\/accel-star-non-fraud-dispute-flow.png\")
<\/p>\nNotification of Chargeback<\/h3>\n
First Chargeback<\/h3>\n
\n
\nSee Defense requirements<\/a> for file formats and for defense documents per dispute type. Be sure to address the dispute reason and provide information that supports your position. An overview of the order details is not enough.<\/p>\nInformation Supplied<\/h3>\n
Chargeback Reversed<\/h3>\n
Pre-arbitration<\/h3>\n
Second Chargeback<\/h3>\n
See also<\/h2>\n
![\"\"](\"https:\/\/docs.adyen.com\/user\/pages\/docs\/10.risk-management\/21.chargeback-guidelines\/accel-star-chargebacks\/accel-star-fraud-dispute-flow.png\")
","accel-star-non-fraud-dispute-flow.png":"![\"\"](\"https:\/\/docs.adyen.com\/user\/pages\/docs\/10.risk-management\/21.chargeback-guidelines\/accel-star-chargebacks\/accel-star-non-fraud-dispute-flow.png\")
"}}