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Disputes API reference

You can use the Disputes Service to automate the dispute handling process so that you can respond to disputes and chargebacks as soon as they are initiated. The Disputes API lets you retrieve defense reasons, supply and delete defense documents, and accept or defend disputes.

For more information on how the API works, refer to Disputes API.

Authentication

Each request to the Disputes API must be signed with an API key. For this, obtain an API Key from your Customer Area, as described in API credentials. Then set this key to the X-API-Key header value, for example:

curl
-H "Content-Type: application/json" \
-H "X-API-Key: Your_API_key" \
...

Note that when going live, you need to generate new web service user credentials to access the live endpoints.

If you already have a test environment up and running, you can assign the API dispute management role to the API user.

Endpoints

To communicate with the Adyen API you should submit HTTP POST requests to corresponding endpoints. These endpoints differ for test and live accounts, and also depend on the data format (SOAP, JSON, or FORM) you use to submit data to the Adyen payments platform.

This page gives you a reference to integrate with the test platform and run QA checks.

JSON

Use the following endpoints in test environment. To switch to live, change the domain to ca-live.adyen.com.

Endpoint Description
https://ca-test.adyen.com/ca/services/DisputeService/v30/retrieveApplicableDefenseReasons Retrieves a list of applicable defense reasons.
For parameters, refer to:
   - DefenseReasonsRequest
   - DefenseReasonsResponse
https://ca-test.adyen.com/ca/services/DisputeService/v30/supplyDefenseDocument Uploads defense documents.
For parameters, refer to:
   - SupplyDefenseDocumentRequest
   - SupplyDefenseDocumentResponse
https://ca-test.adyen.com/ca/services/DisputeService/v30/deleteDisputeDefenseDocument Deletes previously uploaded defense documents.
For parameters, refer to:
   - DeleteDefenseDocumentRequest
   - DeleteDefenseDocumentResponse
https://ca-test.adyen.com/ca/services/DisputeService/v30/defendDispute Submits final dispute defense to the schemes.
For parameters, refer to:
   - DefendDisputeRequest
   - DefendDisputeResponse
https://ca-test.adyen.com/ca/services/DisputeService/v30/acceptDispute Lets you accept a dispute without defending it.
For parameters, refer to:
   - AcceptDisputeRequest
   - AcceptDisputeResponse

SOAP

Test

https://ca-test.adyen.com/ca/services/DisputeService

Live

https://ca-live.adyen.com/ca/services/DisputeService

The data schema for the corresponding SOAP objects is available at:

Test

https://ca-test.adyen.com/ca/services/DisputeService?wsdl

Live

https://ca-live.adyen.com/ca/services/DisputeService?wsdl

AcceptDisputeRequest

Accepts a specific dispute.

Field Type Required Description
disputePspReference String -white_check_mark- The PSP reference assigned to the dispute. You can retrieve the pspReference from the webhook that you received.
merchantAccountCode String -white_check_mark- The merchant account identifier, for which you want to accept the dispute.

AcceptDisputeResponse

A container for the result of the response.

Field Type Required Description
disputeServiceResult DisputeServiceResult -white_check_mark- A container for the response result.

DefendDisputeRequest

Defends a specific dispute.

Field Type Required Description
defenseReasonCode String -white_check_mark- The defense reason code that was selected to defend this dispute. For possible values per scheme, see the list of defense reason codes.
disputePspReference String -white_check_mark- The PSP reference assigned to the dispute. You can retrieve the pspReference from the webhook that you received.
merchantAccountCode String -white_check_mark- The merchant account identifier, for which you want to defend the dispute.

DefendDisputeResponse

A container for the result of the response.

Field Type Required Description
disputeServiceResult DisputeServiceResult -white_check_mark- A container for the response result.

DefenseDocument

A container for a defense document.

  • image/jpeg

  • image/tiff

  • application/pdf

    • FieldTypeRequiredDescription

    content

    Base64 binary
    -white_check_mark-

    The content of the defense document in Base64 binary format. Must be encoded in the format that is specified in the contentType field.

    contentType

    String
    -white_check_mark-

    The content type of the document.Possible values are:

    • image/jpg

    defenseDocumentTypeCode

    String
    -white_check_mark-

    The document type code of the defense document. For possible values per scheme, see the list of defense document type codes.

    You can add a generalized defense document type. Contact our Support Team to enable this document type.When enabled, you can supply a generic defense document for all schemes and set the defenseDocumentTypeCode to AlternativeDefenseMaterial.

    DefenseDocumentType

    A container for a defense document type.

  • OneOrMore You must supply at least one of the documents with this label.

  • Optional You can choose to supply the document.

  • AlternativeRequired You must supply a generic defense document.

    Contact our Support Team to enable this document type.When enabled, you can supply a generic defense document for all schemes.

    • FieldTypeRequiredDescription

    available

    Boolean

    -white_check_mark-

    When true, you've successfully uploaded this type of defense document. When false, you haven't uploaded this defense document type.

    defenseDocumentTypeCode

    String

    -white_check_mark-

    The document type code of the defense document. For possible values per scheme, see the list of defense document type codes.

    requirementLevel

    String

    -white_check_mark-

    Indicates to what extent the defense document is required in the defense process.Possible values:

    • Required You must supply the document.

    DefenseReason

    A container for a defense reason.

    Field Type Required Description
    defenseDocumentTypes Array of DefenseDocumentType -white_check_mark- Array of defense document types for a specific defense reason that can be submitted to the schemes to defend this dispute.
    defenseReasonCode String -white_check_mark- The defense reason code that was selected to defend this dispute. For possible values per scheme, see the list of defense reason codes.
    satisfied Boolean -white_check_mark- Indicates if sufficient defense material has been supplied to defend the dispute with a specific reason code.

    DefenseReasonsRequest

    Returns a list of all applicable defense reasons to defend a specific dispute.

    Field Type Required Description
    disputePspReference String -white_check_mark- The PSP reference assigned to the dispute. You can retrieve the pspReference from the webhook that you received.
    merchantAccountCode String -white_check_mark- The merchant account identifier, for which you want to process the dispute transaction.

    DefenseReasonsResponse

    Contains a list of all available defense reasons that can be used to defend a specific dispute.

    The defense reason object in the response contains the applicable defense reason codes, specified by scheme regulations. It also contains the corresponding document types, whether those document types are required or not, and if the documents are already available.

    FieldTypeRequiredDescription
    defenseReasonsArray of DefenseReason
    -white_check_mark-

    A list of defense reasons that are applicable to the dispute.

     

    disputeServiceResult

    		DisputeServiceResult
    -white_check_mark-

    A container for result of this response.

    DeleteDefenseDocumentRequest

    Deletes a specific dispute defense document that was supplied earlier.

    Field Type Required Description
    disputePspReference String -white_check_mark- The PSP reference assigned to the dispute. You can retrieve the pspReference from the webhook that you received.
    merchantAccountCode String -white_check_mark- The merchant account identifier, for which you want to process the dispute transaction.
    defenseDocumentType String -white_check_mark- The document type code of the defense document. For possible values per scheme, see the list of defense document type codes.

    DeleteDefenseDocumentResponse

    A container for the result of the response.

    FieldTypeRequiredDescription

    disputeServiceResult

    		DisputeServiceResult
    -white_check_mark-

    A container for result of this response.

     

    DisputeServiceResult

    A container for result of the response.

    FieldTypeRequiredDescription
    success Boolean
    -white_check_mark-

    Outcome of the operation. If unsuccessful, an error message will be given in the next field.

     

    errorMessage

    		 String
    -x-

    Description of the error. Possible values:

    • Dispute already defended.
    • Dispute cannot be accepted.
    • Dispute defense period has ended.
    • Dispute expired.
    • Dispute is not defendable.
    • Dispute not found.
    • Error processing file. Please try again later or contact support if the problem persists.
    • Error retrieving dispute.
    • Failed to store defense documents.
    • Failed to validate defense documents.
    • File exceeds the limit of allowed pages (`statusCode` : `maxFileSizeInPages`).
    • File is too large for this format.
    • File was found to possibly contain malware or a virus. Not accepted.
    • Files exceed the total limit of allowed pages across documents(`statusCode` : `maxFileSizeInPages`).
    • Invalid disputePspReference provided.
    • Invalid file format or extension. This file is not a JPG/JPEG file.
    • Invalid file format or extension. This file is not a PDF file.
    • Invalid file format or extension. This file is not a TIFF file.
    • No content of defense document specified.
    • No content type of defense document specified.
    • No defense document type of defense document specified.
    • No defense documents supplied.
    • No defense reason code specified.
    • No document found to delete.
    • Non-existing defense document type specified.
    • Not allowed content type of defense document specified.
    • Request object not found.
    • Unable to delete.
    • Unable to process the uploaded defense document.
    • Unknown dispute.

    SupplyDefenseDocumentRequest

    Supplies a specific dispute defense document.

    Field Type Required Description
    defenseDocuments Array of DefenseDocument  -white_check_mark- A container for the defense documents.
    disputePspReference String -white_check_mark- The PSP reference assigned to the dispute. You can retrieve the pspReference from the webhook that you received.
    merchantAccountCode String -white_check_mark- The merchant account identifier, for which you want to process the dispute transaction.

    SupplyDefenseDocumentResponse

    A container for the result of the response.

    Field Type Required Description
    disputeServiceResult DisputeServiceResult -white_check_mark- A container for the result of this response.

    defenseReasonCode

    American Express

    defenseReasonCode Description
    AutomaticRFIresponse Response to a Request for Information (Automatic Response)
    CardNotPresentRFIresponse Normal response to a Request for Information
    CreditPreviouslyIssued Credit previously issued
    DuplicateChargeback Duplicate Chargeback
    GoodsOrServicesProvided The goods or services were provided by the merchant, or there was a delay in delivery.
    GoodsWereAsDescribed The merchant can proof that the goods were delivered as described.
    MerchandiseReceived Merchandise received by shopper.
    PastChargebackTimeLimit Past Chargeback Time Limit
    SupplyDefenseMaterial Defense Material can be supplied that remedies the chargeback.

    Elo

    defenseReasonCode Description
    AdditionalInformation Additional Information
    AirlineFlightProvided Shopper has or could have used the provided airline ticket.
    AutomaticRFIresponse Response to a Request for Information (Automatic Response)
    CreditPreviouslyIssued Credit previously issued
    CardNotPresentRFIresponse Normal response to a Request for Information
    GoodsNotReturned The cardholder did not return the goods to the merchant.
    GoodsOrServicesProvided The goods or services were provided by the merchant, or there was a delay in delivery.
    GoodsRepairedOrReplaced The merchant documents that the goods were repaired or replaced.
    GoodsWereAsDescribed The merchant can proof that the goods were delivered as described.
    PastChargebackTimeLimit Past Chargeback Time Limit
    ServicesProvidedAfterCancellation The merchant has provided services after the cancellation data which have been used by the cardholder.
    SupplyDefenseMaterial Defense Material can be supplied that remedies the chargeback.

    Discover

    defenseReasonCode Description
    AdditionalInformation Additional Information
    AirlineRFIresponse Response to a Request for Information (Airlines)
    AuthorisedTransaction Authorisation was received for the transaction amount or greater from the issuer.
    AutomaticRFIresponse Response to a Request for Information (Automatic Response)
    CancellationTermsFailed The cardholder failed to meet the cancellation terms of the contract.
    CardNotPresentRFIresponse Normal response to a Request for Information
    CardPresentRFIresponse Response to a Request for Information (Card Present only)
    CardholderNotReplied Cardholder was notified but did not reply
    CardholderParticipated Compelling evidence that the cardholder participated in the transaction.
    CardholderRenewedMembership Cardholder renewed membership after cancellation.
    CarRentalRFIresponse Response to a Request for Information (Car Rental)
    CorrectTransactionAmount The TID shows that the amount was processed correctly.
    CreditOrCancellationPolicyProperlyDisclosed The merchant can substantiate that the credit or cancellation policy was properly disclosed to the cardholder at the point of interaction.
    CreditPreviouslyIssued Credit previously issued
    DuplicateChargeback Duplicate Chargeback
    GoodsOrServicesProvided The goods or services were provided by the merchant or there was a delay in delivery.
    GoodsRepairedOrReplaced The merchant documents that the goods were repaired or replaced.
    GoodsWereAsDescribed The merchant can proof that the goods were delivered as described.
    GoodsNotReturned The cardholder did not return the goods to the merchant.
    IncreasedTransactionAmount The increased debit to the account is valid.
    MerchandiseNotCounterfeit Merchandise was not counterfeit
    MerchandiseReceived Merchandise received by shopper
    NotCancelled Documentation showing cardholder did not cancel the transaction
    NotNotified Documentation showing acquirer and merchant were not notified of cancellation of membership
    NotRecurring Transaction was not a recurring transaction
    PastChargebackTimeLimit Past Chargeback Time Limit
    PaymentByOtherMeans The merchant can provide an explanation that substantiates the validity of the transaction charged.
    PINTransaction PIN was present
    ProofOfCardPresenceAndSignatureWithTerminalReceipt Card was present and a signed terminal receipt is available.
    ProofOfCardPresenceAndSignatureWithoutTerminalReceipt Card was present and documentation is available to prove this.
    PurchaseProperlyPosted The issuer claimed that the transaction was not for an installment billing and transaction was properly identified as an installment transaction in the authorization request.
    RetrievalRequestFulfilled The retrieval request has been fulfilled.
    SaleTermsNotMisrepresented Terms of sale were not misrepresented.
    ServicesProvidedAfterCancellation The merchant has provided services after the cancellation data which have been used by the cardholder.
    ShippedToAVSAdditionalInformation Address Verification Service (AVS) Additional Information
    SupplyDefenseMaterial Defense Material that remedies the chargeback.
    TransactionNotPOS Transactions was not a POS transaction.
    TwoDifferentTIDs Two different TIDs with the same card number are present.

    Mastercard

    defenseReasonCode Description
    AccountTakeover The transaction resulted from an account takeover
    AdditionalInformation Additional Information
    AirlineCompellingEvidence Non face-to-face Airline Additional Information
    AirlineFlightProvided Shopper has or could have used the provided airline ticket
    AirlineRFIresponse Response to a Request for Information (Airlines)
    AuthorisedTransaction Authorisation was received for the transaction amount or greater from the issuer.
    AutomaticRFIresponse Response to a Request for Information (Automatic Response)
    CancellationOrReturns The merchandise was never returned or the cancellation was not accepted
    CancellationTermsFailed The cardholder failed to meet the cancellation terms of the contract
    CardNotPresentRFIresponse Normal response to a Request for Information
    CardPresentRFIresponse Response to a Request for Information (Card Present only)
    CarRentalRFIresponse Response to a Request for Information (Car Rental)
    ChargebackRemedied Chargeback remedied. See corresponding documentation.
    ChipAndPinLiabilityShift The transaction was initiated on a POS terminal with PIN path but card was not PIN preferring.
    ChipLiabilityNotApplicable Chip Liability not applicable
    ChipLiabilityShift The transaction falls under the Chip Liability Shift and occurred on a non-EMV chip card.
    ChipTransactionReportedToSAFE Chip Transaction Reported to SAFE
    CompellingEvidence Compelling Evidence
    CorrectedMcc The MCC was incorrect in the first presentment. With the correct MCC authorisation is not required.
    CorrectedMerchantDetails The merchant location/description was incorrect in the first presentment. With the corrected details authorisation is not required.
    CorrectTransactionAmount The TID shows that the amount was processed correctly
    CorrectTransactionAmountSms The TID shows that the amount was processed correctly
    CorrectTransactionCurrency Correct transaction currency provided
    CorrectTransactionDate Correct transaction date provided
    CreditOrCancellationPolicyProperlyDisclosed The merchant can substantiate that the credit or cancellation policy was properly disclosed to the cardholder at the point of interaction.
    CreditPreviouslyIssued Credit previously issued
    CVC2ValidationProgram CVC 2 Validation Program (US Region Merchants only)
    DeficiencyCorrected Deficiency Corrected
    DisputedSurcharge Disputed Surcharge
    DisputedSurchargeIncorrectProratedCalculation Disputed Surcharge - Incorrect Pro-rated Calculation
    DuplicateChargeback Duplicate Chargeback
    FaceToFace No Conflicting Information in Authorization and Clearing Message.
    FaceToFaceConflictingMessages Conflicting Information in Authorization and Clearing Message
    GoodsNotReturned The cardholder did not return the goods to the merchant.
    GoodsOrServicesProvided The goods or services were provided by the merchant or there was a delay in delivery.
    GoodsRepairedOrReplaced The merchant documents that the goods were repaired or replaced.
    GoodsWereAsDescribed The merchant can proof that the goods were delivered as described
    IdentifiedAddendum Addendum transaction is cardholders responsibility
    IllegibleDocumentationReceived The provided documentation is illegible to the point where it cannot be established that the chargeback is valid
    IncorrectTransactionDate The acquirer must document that the transaction was authorized but was processed with an incorrect transaction date.
    IncreasedTransactionAmount The increased debit to the account is valid.
    InvalidARD Invalid Acquirer Reference Data on chargeback; documentation was provided or not required
    InvalidChargeback The issuers chargeback was invalid
    InvalidChargebackBundling CB bundling invalid for this reason code or MCC code
    InvalidChargebackSms The issuer's chargeback was invalid for example non-supporting documentation
    InvalidDE72CB Invalid member message text (DE 72). Not in format CBMMDDYY ARD XXXXXXXXXXXXXXXXXXXXXXX
    InvalidDE72MultipleTransactions Invalid member message text (DE 72). Not in format MULTIPLE TRANSACTIONS NNN.
    InvalidDE72RPCS Invalid member message text (DE 72). Not in format RPCS MMDDYY.
    IssuerAuthorisedTransaction Online authorized transaction with no valid EMV chip card
    JustifiedDelayedPresentment Justified delayed presentment
    LiabilityShiftFullUCAF MasterCard SecureCode SL2 (Global Liability Shift)
    LiabilityShiftMerchantUCAF MasterCard SecureCode SL1 (Merchant-Only Liability Shift)
    MissingInformation Provide missing or illegible information
    MultipleAuthorisations Multiple Authorisations were obtained with a authorisation amount greater or equal to the captured amount.
    NoARDprovidedInMessageText The issuer did not provide the ARD of the second transaction in the DE 72
    NoAuthorisationRequiredManualImprint The card data was captured via a manual imprint
    NoAuthorisationRequiredNotX2X Service code on the card was not X2X.
    NoAuthorisationRequiredOffline Completed at a point-of-sale (POS) device that did not have both online and magnetic stripe-read capability.
    NonReceiptOfRequiredDocuments Issuer did not provide the required documents. This reason can only be used between 9-45 days after the dispute.
    NoShowTransaction The transaction was the result of Guaranteed Reservation Service
    NotRecurring Transaction was not a recurring transaction.
    NotReportedToSafe Issuer did not properly report the transaction to SAFE
    OfflineChipTransactionDE55NotProvided Chip transaction that required no authentication and DE 55 was not provided
    OfflineChipTransactionDE55Provided Chip transaction with DE55 provided in first presentment.
    OnlineChipTransactionDE55NotProvided Chip transaction that was authorized online and DE 55 was not provided
    PartialAuthorisation The captured amount was partially authorised. The chargebacked amount is greater than the amount that was not authorised
    PastChargebackTimeLimit Past Chargeback Time Limit
    PaymentByOtherMeans The merchant can provide an explanation that substantiates the validity of the transaction charged.
    PayPassTransaction PayPass transaction below chargeback protection amount
    PINTransaction PIN was present
    PosDeviceFailure Transaction was under floor limit and there was a POS failure at the time of purchase
    ProofOfCardPresenceAndSignatureChipNoPIN Card was present and Chip was used
    ProofOfCardPresenceAndSignatureLossTheftOrDamage Card was present and a signed terminal receipt is available. The transaction involves loss, theft, or damage. The merchant should provide the receipt containing specially the items that were additionally billed.
    ProofOfCardPresenceAndSignatureMasterCardCorporateFleetCard Card was present and a signature exists for a Corporate Fleet Card transaction but no PIN provided.
    ProofOfCardPresenceAndSignatureNotMasterCardWorldWideNetwork Card was present and a signature exists for a transaction that was not processed via the MasterCard Worldwide Network.
    ProofOfCardPresenceAndSignatureWithoutTerminalReceipt Card was present and documentation is available to proof this.
    ProofOfCardPresenceAndSignatureWithTerminalReceipt Card was present and a signed terminal receipt is available.
    PurchaseProperlyPosted The issuer claimed that the transaction was not for an installment billing and transaction was properly identified as an installment transaction in the authorization request.
    QPSTransaction For a properly identified QPS transaction equal to or less than the chargeback protection amount.
    RecurringTransactionsCompellingEvidence Non face-to-face Recurring Transaction
    RecurringTransactionsCompellingMerchantEvidence Non face-to-face Recurring Transaction Compelling Merchant Evidence
    ScanningError The provided documentation is incomplete or is about a wrong transaction probably due to a scanning error.
    ServicesProvidedAfterCancellation The merchant has provided services after the cancellation data which have been used by the cardholder.
    ShippedToAVS Address Verification Service (AVS)
    ShippedToAVSAdditionalInformation Address Verification Service (AVS) Additional Information
    SupplyDefenseMaterial Defense Material that remedies the chargeback
    SuspiciousTransaction The acquirer must document that the issuer was advised that the transaction was suspicious.
    TechnicalFallback The transaction was the result of a technical fallback
    TelecomFailure Transaction was under floor limit and there was a telecom failure at the time of purchase
    Telex The acquirer proves that the card acceptor received authorization for the transaction amount or greater as a result of a telex to the issuer.
    TransactionNotPOS Transactions was not a POS transaction
    TwoDifferentTIDsATM Two different TIDs with the same card number are present (ATM)
    TwoDifferentTIDsPOS Two different TIDs with the same card number are present (POS)
    TwoPINTransactions A PIN was present for one or both transactions
    TwoPriorFraudChargebacks Two or More Previous Fraud-related Chargebacks
    UnreasonableAmount The cardholder agreed to an amount range as reasonable and the transaction amount did not exceed this amount range.

    Visa

    defenseReasonCode Description
    AdditionalInformation Additional Information
    ATMtransaction ATM Transaction
    AuthorisedTransaction Authorised Transactions
    AutomaticRFIresponse Response to a Request for Information (Automatic Response)
    CardholderNotReplied Cardholder was notified but did not reply.
    CardholderParticipated Compelling evidence that the cardholder participated in the transaction.
    CardHolderParticipatedBasedOnCVV2 CardHolderParticipated based on CVV2
    CardholderRenewedMembership Cardholder renewed membership after cancellation.
    CardNotOnExceptionFile The Account Number was not listed on the Exception File.
    CardNotPresentRFIresponse Normal response to a Request for Information
    CardPresentFraud Card Present Fraud
    CreditOrCancellationPolicyProperlyDisclosed The merchant can substantiate that the credit or cancellation policy was properly disclosed to the cardholder at the point of interaction.
    CreditPreviouslyIssued Credit previously issued
    DuplicateChargeback Duplicate Chargeback
    EmergencyPaymentAuthorizationService The transactions was authorized through the Emergency Payment Authorization Service.
    EMVLiabilityShift EMV Liability Shift
    GoodsNotReturned The cardholder did not return the goods to the merchant.
    GoodsRepairedOrReplaced The merchant documents that the goods were repaired or replaced.
    GoodsWereAsDescribed The merchant can proof that the goods were delivered as described.
    InvalidCancellationCode Invalid Cancellation Code.
    InvalidChargeback The issuers chargeback was invalid for example non-supporting documentation.
    InvalidReasonCodeForMCC Invalid Reason Code for MCC
    LiabilityShiftFullUCAF Global Liability Shift
    LiabilityShiftMerchantUCAF Merchant-Only Liability Shift
    MerchandiseNotCounterfeit Merchandise was not counterfeit
    MerchandiseReceived Merchandise received by shopper.
    NotCancelled Cardholder did not cancel the transaction.
    NotNotified Acquirer or merchant not notified of cancellation.
    NotPaidByOtherMeans Additional Information
    PastChargebackTimeLimit Services provided to shopper.
    PINTransaction PIN was present.
    PresentmentWithinTimeLimit Transaction was presented within the given time limit.
    PreviousTransactionNotChargebacked Previous transaction was not chargebacked.
    PreviousTransactionNotChargebackedARNprovided Previous transaction was not chargebacked (ARN present to match)
    ProofOfCardPresenceAndSignatureWithoutTerminalReceipt Card was present and documentation is available to proof this.
    RecurringTransactionsCompellingEvidence Non face-to-face Recurring Transaction
    RecurringTransactionsCompellingMerchantEvidence Non face-to-face Recurring Transaction Compelling Merchant Evidence
    SaleTermsNotMisrepresented Terms of sale were not misrepresented.
    ServicesProvided Services provided to shopper.
    SupplyDefenseMaterial Defense Material that remedies the chargeback.
    TimeshareTransactionCancellationPeriodExpired Transaction was not cancelled within 14 calendar days of the contract date or receipt date of the contract or related documents.
    TransactionAuthorisedOnline Transaction Authorised Online
    TwoDifferentMagStripeTelCalls Proof that time of call for each Magnetic-Stripe Telephone call differs.
    TwoDifferentTIDs Two different TIDs with the same card number are present.

    defenseDocumentTypeCode

    American Express

    defenseDocumentTypeCode Description
    AmexFaxCover A cover page that will be sent with each dispute.
    AlternativeDefenseMaterial Defense Material
    CreditPreviouslyIssued Reference and date of refund
    CreditPreviouslyIssued Reference and date of refund
    DateMerchandiseShipped Date of merchandise shipment
    DateMerchandiseShipped Date of merchandise shipment
    DefenseMaterial Defense Material that remedies the chargeback.
    DuplicateChargeback First chargeback reference number and date of original chargeback.
    GoodsWereAsDescribed Proof showing that the goods were delivered as described.
    MerchandiseDescription A description of the merchandise or services.
    ProofOfGoodsOrServicesProvided Proof showing that the goods or services of the merchant were provided to the cardholder.
    TIDorInvoice Copy of the Transaction Identification Document (TID) or invoice

    Cielo

    defenseDocumentTypeCode Description
    AcquirerRFItransactionDetails Automatically gathered transaction details.
    AlternativeDefenseMaterial Defense Material
    CreditPreviouslyIssued Data of previously issued credit.
    DefenseMaterial Defense Material that remedies the chargeback.
    FlightTicketUsed Documentation proving that the airline tickets were used by the cardholder.
    FligthTookPlace Documentation proving that the airline rendered the service.
    GoodsNotReturned Statement from the merchant stating that the merchant did not receive the goods.
    GoodsRepairedOrReplaced Written rebuttal documenting that the goods were repaired or replaced.
    GoodsWereAsDescribed Proof showing that the goods were delivered as described.
    MerchandiseDescription A description of the merchandise or services.
    PaperAirlineTicket Documentation establishing that the cardholder was issued paper airline tickets.
    PastChargebackTimeLimit Past Chargeback Time Limit Claim
    ProofOfAbilityToProvideServices Proof showing that the merchant is able to provide the services.
    ProofOfGoodsOrServicesProvided Proof showing that the goods or services of the merchant were provided to the cardholder.
    TIDorInvoice Copy of the Transaction Identification Document (TID) or invoice.

    Discover

    defenseDocumentTypeCode Description
    AcquirerRFItransactionDetails Automatically gathered transaction details.
    AlternativeDefenseMaterial Defense Material
    CreditPreviouslyIssued Reference and date of refund.
    DefenseMaterial Defense Material that remedies the chargeback.
    DisclosureAtPointOfInteraction Rebuttal or proper disclosure given to the cardholder at the point of interaction.
    DuplicateChargeback First chargeback reference number and date of original chargeback.
    GoodsNotReturned Statement from the merchant stating that the merchant did not receive the goods.
    GoodsRepairedOrReplaced Written rebuttal documenting that the goods were repaired or replaced.
    GoodsWereAsDescribed Proof showing that the goods were delivered as described.
    InvalidChargeback Documentation to support that the chargeback is remedied or invalid.
    MerchandiseDescription A description of the merchandise or services.
    OriginalAmount The original transaction amount if the disputed transaction represents partial shipment.
    PaymentByOtherMeans An appropriate explanation and documentation showing two separate transactions.
    PositiveAVS Documentation of positive AVS response X or Y.
    ProofOfAbilityToProvideServices Proof showing that the merchant is able to provide the services.
    ProofOfGoodsOrServicesProvided Proof showing that the goods or services of the merchant were provided to the cardholder.
    ProofOfRetailSaleRatherThanCredit A copy of the TID as proof that the transaction involved a retail sale rather than a credit.
    RetrievalRequestFulfilled Automatically generated proof that a retrieval request has been fulfilled.
    ShippedToAVS Documentation that shows the merchandise was sent to the AVS-confirmed billing address.
    ShipToAddress “Ship to” address (if applicable)
    TIDorInvoice Copy of the Transaction Identification Document (TID) or invoice.
    TwoDifferentTIDs Copies of two different TIDs.

    Mastercard

    defenseDocumentTypeCode Description
    AcquirerMemberMessageText DE 72 (Data Record)
    AcquirerRFItransactionDetails Automatically gathered transaction details.
    AddendumDocumentation Documentation showing that transaction is addendum to previous transaction
    AdditionalTransactions Additional transactions connected with the disputed flight
    AlternativeDefenseMaterial Defense Material
    ARDnotProvided ARD NOT PROVIDED
    ATMSupportingDocuments See Appendix A of Chargebacks – Mastercard Europe ATM Transactions
    AuthorisationLog Authorization log or documentation showing the authorisation took place.
    AuthorisedTransaction TRANS AUTHORIZED MMDDYY NO.NNNNNN
    CancellationNeverAccepted Rebuttal stating that the cancellation was never accepted.
    CardholderIdentification Identification documentation showing a link to the cardholder.
    CardPresent Proof of card presence and cardholder signature.
    ChargebackRemedied Documentation showing that chargeback was remedied. Other defenses are not applicable.
    ChipLiabilityNotApplicable CHIP LIABILITY NA
    ChipLiabilityShift AUTH MMDDYY NNNNNN
    ChipTransactionReportedToSAFE Documentation that supports the second presentment from the Acquirer's Loss Data File, the Acquirer Loss Data Report, or the Acquirer Transaction Data Report via Fraud Reporter.
    CompellingEvidence COMP EVID
    CorrectedMcc MCCNNNN
    CorrectedMerchantDetails Correct card acceptor location/description
    CorrectTransactionCurrency Documentation proving the correct currency was provided.
    CreditPreviouslyIssued Reference and date of refund
    DE55 DE 55 and related data
    DefenseMaterial Defense Material that remedies the chargeback.
    DisclosureAtPointOfInteraction Rebuttal or proper disclosure given to the cardholder at the point of interaction.
    DuplicateChargeback First chargeback reference number and date of original chargeback.
    FlightManifest Flight manifest showing the cardholder's name.
    FlightTicket Flight Ticket or boarding pass showing the cardholder's name.
    FlightTicketAtBillingAddress Proof of receipt of the flight ticket at the cardholder's billing address.
    FlightTicketUsed Documentation proving that the airline tickets were used by the cardholder.
    FligthTookPlace Documentation proving that the airline rendered the service.
    FormalAffidavitOfFailure Formal affidavit of telecommunication failure or POS device failure from the merchant.
    FrequentFlyer Credits of frequent flyer miles for the flight showing connection to the cardholder.
    GoodsNotReturned Statement from the merchant stating that the merchant did not receive the goods.
    GoodsRepairedOrReplaced Written rebuttal documenting that the goods were repaired or replaced.
    GoodsWereAsDescribed Proof showing that the goods were delivered as described.
    IncorrectTransactionDate TRANS DATE MMDDYY NOT MMDDYY
    IncreasedTransactionAmount Documentation to support that the cardholder is responsible for the disputed amount.
    InvalidChargeback Documentation to support that the chargeback is remedied or invalid.
    IssuerAuthorisedTransaction INV SERVICE CODE X
    LiabilityShiftFullUCAF AUTH MMDDYY/NNNNNN SL 2
    LiabilityShiftMerchantUCAF AUTH MMDDYY/NNNNNN SL 1
    MerchandiseDescription A description of the merchandise or services
    MerchantProofOfRecurringTransaction Merchant Proof of recurring transactions with no previous chargeback
    MPIdata MPI request/response messages
    MultipleAuthorisations MULTIPLE AUTHORIZATIONS
    NoAuthorisationRequiredNotX2X SC not X2X
    NoAuthorisationRequiredOffline POS DEVICE NOT ONLINE
    NotX2X Proof that the service code was not X2X.
    OfflineChipTransactionDE55NotProvided CHIP TRANSACTION
    OfflineChipTransactionDE55Provided DE 55 PREVIOUSLY PROVIDED
    OnlineChipTransactionDE55NotProvided TRANS AUTHORIZED MMDDYY NNNNNN
    OriginalAmount The original transaction amount if the disputed transaction represents partial shipment.
    PaperAirlineTicket Documentation establishing that the cardholder was issued paper airline tickets.
    PartialAuthorisation $$$$$$ CODE XXXXXX MMDDYY
    PassengerIdentification Passenger identification documentation showing a link to the cardholder.
    PaymentByOtherMeans An appropriate explanation and documentation showing two separate transactions.
    PayPassTransaction PAYPASS NNNNNN MMDDYY
    PINTransaction PIN MMDDYY NNNNNN
    PosDeviceFailure POS DEVICE FAILURE
    PositiveAVS Documentation of positive AVS response X or Y
    PrintedSignedTerminalReceipt A printed, signed terminal receipt.
    ProofOfAbilityToProvideServices Proof showing that the merchant is able to provide the services
    ProofOfAccountTakeover Documentation proving that the transaction resulted from an account takeover
    ProofOfAttendedPOSTerminal Documentation that show that the transaction occurred on an attended POS terminal
    ProofOfCardPresenceAndSignatureChipNoPIN CHIP TRANSACTION
    ProofOfCardPresenceAndSignatureWithTerminalReceipt TRANS AUTHORIZED MMDDYY NO.NNNNNN
    ProofOfGoodsOrServicesProvided Proof showing that the goods or services of the merchant were provided to the cardholder.
    ProofOfNoShow Documentation showing reservation was made by cardholder.
    ProofOfRecurringTransaction Description of goods with evidence of recurring transaction
    ProofOfRetailSaleRatherThanCredit A copy of the TID as proof that the transaction involved a retail sale rather than a credit.
    QPSTransaction INVALID REASON CODE FOR QPS
    ReasonForReturn Put reason in DE72 Data Record
    ShippedToAVS Documentation that shows the merchandise was sent to the AVS-confirmed billing address.
    ShipToAddress “Ship to” address (if applicable)
    SuspiciousTransaction ADVISED SUSPICIOUS MMDDYY
    TechnicalFallback TECHNICAL FALLBACK MMDDYY NNNNNN
    TelecomFailure TELECOM FAILURE
    Telex CALL REFERRAL AUTH MMDDYY NNNNNN
    TIDorInvoice Copy of the Transaction Identification Document (TID) or invoice
    TransactionNotPOS XXXXXX TRANSACTION
    TwoDifferentTIDs Copies of two different TIDs
    TwoPINTransactions PIN MMDDYY NNNNNN MMDDYY NNNNNN
    TwoPriorFraudChargebacks FNS/NN MMDDYY NN MMDDYY AUTH MMDDYY
    UnreasonableAmount Documentation supporting the merchants claim.

    Visa

    defenseDocumentTypeCode Description
    AcquirerMemberMessageText Acquirer Clearing Message Text
    AcquirerRepresentmentForm Acquirer Representment Form
    AcquirerRFItransactionDetails Automatically gathered transaction details.
    AlternativeDefenseMaterial Defense Material
    AuthorisedTransaction Authorised Transactions
    CardholderNotReplied A document proving the Cardholder was notified but did not reply
    CardholderRenewedMembership Documentation showing cardholder renewed membership after cancellation
    CardPresent Proof of card presence and cardholder signature
    ChipLiabilityShift Chip Liability Shift
    CompellingEvidence COMP EVID
    CreditPreviouslyIssued Reference and date of refund
    DateMerchandiseShipped Date of merchandise shipment
    DefenseMaterial Defense Material that remedies the chargeback.
    DisclosureAtPointOfInteraction Rebuttal or proper disclosure given to the cardholder at the point of interaction.
    DuplicateChargeback First chargeback reference number and date of original chargeback
    EvidenceOfCardholderParticipation Compelling evidence that the cardholder participated in the transaction.
    GoodsNotReturned Statement from the merchant stating that the merchant did not receive the goods.
    GoodsRepairedOrReplaced Written rebuttal documenting that the goods were repaired or replaced.
    GoodsWereAsDescribed Proof showing that the goods were delivered as described.
    InvalidCancellationCode Explanation of invalid cancellation code.
    InvalidChargeback Documentation to support that the chargeback is remedied or invalid.
    MerchandiseDescription A description of the merchandise or services.
    MerchandiseNeverReturned Rebuttal stating that the merchandise was never returned
    MerchandiseNotCounterfeit Documentation to support the Merchant's claim that the merchandise was not counterfeit
    MerchantProofOfRecurringTransaction Merchant Proof of recurring transactions with no previous chargeback.
    MPIdata MPI request/response messages
    NotCancelled Documentation showing services was not cancelled.
    NotChargebacked Documentation showing transaction was not chargebacked.
    NotChargebackedAuto Documentation showing transaction was not chargebacked (automatic response).
    NotNotified Documentation showing acquirer and merchant were not notified of cancellation of membership.
    PINTransaction Proof of PIN transaction
    PresentmentWithinTimeLimit CORRECT TRAN DATE MMDDYY
    ProofOfCardPresenceSignatureOrChipPIN Proof of card presence and cardholder signature
    ProofOfGoodsOrServicesProvided Proof showing that the goods or services of the merchant were provided to the cardholder.
    ProofOfRecurringTransaction Proof of recurring transactions with no previous chargeback.
    ReasonForReturn Put reason in member message text.
    ReturnedMerchandiseNotReceived RETURNED MDSE NOT RECEIVED
    SaleTermsNotMisrepresented Documentation to prove that the terms of sale of the merchandise or services were not misrepresented.
    TIDorInvoice Copy of the Transaction Identification Document (TID) or invoice.
    TwoDifferentTIDs Copies of two different TIDs.