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Disputes API reference

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 document lists all endpoints available for you to integrate with the test platform and run QA checks.

Endpoints

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

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

DefendDisputeRequest

Field Type Required Description
defenseReasonCode String -white_check_mark- The defense reason selected to defend against the dispute.
disputePspReference String -white_check_mark- The reference assigned to the dispute.
merchantAccount String -white_check_mark- The merchant account identifier you want to process the (transaction) request with.

DefendDisputeResponse

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

DefenseDocument

 

Field Type Required Description
content Base64 binary
-white_check_mark-

The content of the document in Base64 Binary format.

It must be in the format specified in the field contentType.

contentType String
-white_check_mark-

The content type of the document.

Possible values are:

  • image/jpg
  • image/jpeg
  • image/tiff
  • application/pdf
  • text/clearing
defenseDocumentTypeCode String
-white_check_mark-

One of the defense document type codes you obtained in the Retrieve Applicable Defense Reasons response.

In addition to predefined document types you can also provide a generalized defense document type. If you need to configure this functionality for your account, contact the Support Team.

When this feature is enabled, you can supply a generic defense document to the schemes for the defense reason. When supplying such documents, set the defenseDocumentTypeCode property to AlternativeDefenseMaterial.

DefenseDocumentType

A container for a defense document type.

Field Type Required Description
available Boolean
-white_check_mark-
This is a flag to mark if the document is already present in the dispute service, or still requires your submission.
defenseDocumentTypeCode String
-white_check_mark-

A code identifying the type of defense document requested.

Refer to defenseDocumentTypeCode .

requirementLevel

String
-white_check_mark-

Level of requirement of the documents for a successful defense.

There are three possible values:

  • Required. The document must be supplied.
  • OneOrMore. At least one of the documents with this label must be supplied.
  • Optional. This document is optional to supply.

DefenseReason

A container for a defense reason.

Field Type Required Description
defenseDocumentTypes Array of DefenseDocumentType 
-white_check_mark-
A specified list of defense document types that can be submitted to the schemes for the defense reason.
defenseReasonCode String
-white_check_mark-

A code identifying the defense reason.

Refer to defenseReasonCode .

satisfied Boolean
-white_check_mark-

A flag indicating if sufficient defense material has been supplied to defend against the dispute with the given defense reason.

DefenseReasonsRequest

Field Type Required Description
disputePspReference String -white_check_mark- The reference assigned to the dispute.
merchantAccount String -white_check_mark- The merchant account identifier you want to process the (transaction) request with.

DefenseReasonsResponse

Field Type Required Description
defenseReasons Array 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

Field Type Required Description
disputePspReference String -white_check_mark- The reference we have assigned to the dispute.
merchantAccount String -white_check_mark- The merchant account identifier you want to process the (transaction) request with.
defenseDocumentType String -white_check_mark- The defense document type code supplied in the Retrieve Applicable Defense Reasons request.

DeleteDefenseDocumentResponse

Field Type Required Description

disputeServiceResult

DisputeServiceResult
-white_check_mark-

A container for result of this response.

 

DisputeServiceResult

A container for result of the response.

Field Type Required Description
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:

  • Invalid disputePspReference provided.
  • Error retrieving dispute.
  • Dispute not found.
  • Invalid merchant account
  • No defense documents supplied.
  • Failed to store defense documents (DB error).
  • Dispute expired
  • Dispute is not defendable.
  • No content of defense document specified
  • No content type of defense document specified (empty)
  • Not allowed content type of defense document specified
  • 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 defense document type of defense document specified.
  • Non-existing defense document type specified.
  • File exceeds the limit of allowed pages.
  • File is too large for this format. (exceeds 2MB for PDF, 10MB for images, 3MB for Discover/Diners)

SupplyDefenseDocumentRequest

Field Type Required Description
defenseDocuments Array of DefenseDocument  -white_check_mark- A container of list of defense documents.
disputePspReference String -white_check_mark- The reference we have assigned to the dispute.
merchantAccount String -white_check_mark- The merchant account identifier you want to process the (transaction) request with.

SupplyDefenseDocumentResponse

Field Type Required Description
disputeServiceResult DisputeServiceResult -white_check_mark- A container for 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 Wordlwide 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 card holder.
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 rebutal 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 card holder.
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 rebutal 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 card holder.
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 rebutal 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 card holder.
ProofOfNoShow Documentation showing reservation was made by card holder.
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 rebutal 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 card holder.
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.