Manage disputes

Disputes (also known as chargebacks) are a challenging but inevitable part of e-commerce. They arise when a customer queries a transaction with their card issuer. The issuer creates a formal dispute which immediately reverses the payment, debiting your account for both the payment amount and a dispute fee.

It's important for you to monitor such disputes and respond to them as quickly as possible — thankfully, we've made the workflow simple.

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Only administrator owners and administrators can respond to a dispute (e.g., accept a dispute or submit evidence). Users can view disputes and the dispute details but cannot respond.

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This page explains how to manage disputes in the Hub, but you can also use our Disputes API.

About the dispute lifecycle and statuses

Step

Status

Description

Possible actions in the Hub

1

Payment disputed

Your customer disputes the payment. This status does not show in the Hub but is the starting point of all disputes. The only financial repercussion at this stage is a fee being applied.

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2a

Resolved

We automatically resolve the dispute because it had already been refunded previously. There are no further financial implications.

• Blacklist

2b

Evidence required

An action on your side is required (you need to respond to the dispute). At this stage, your account gets debited the disputed amount.

• Blacklist
• Accept dispute
• Submit evidence

3a

Canceled

The dispute is canceled by the issuing bank and your account is credited back of the amount of the dispute. You don’t need to take any further action.

• Blacklist

3b

Accepted

You have accepted the dispute. There is no further implication or action required.

• Blacklist

3c

Expired

The time limit to take action is met. There is no further implication and you can’t respond to the dispute anymore.

• Blacklist

3d

Under review

You have submitted evidence to defend against the dispute. Your evidence is now under review by our Disputes team. Once reviewed, the team will send it to the card scheme for review. No further action is required on your side.

• Blacklist

4a

Won

The issuing bank has accepted your evidence and you have won the dispute. Your account has been credited back of the amount of the dispute.

• Blacklist

4b

Lost

The issuing bank has rejected your evidence and you have lost the dispute. There are no further financial implications.

• Blacklist

View disputes

In the Disputes screen

To view your disputes, start by selecting a business.

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You can only view disputes at a business level, not at an account level.

The Disputes screen contains two tabs:

• Unanswered: this tab contains all payments for which an action is required.
• All disputes: this tab contains all payments that have been disputed, including unanswered ones.

Each tab shows the following information:

• Disputed amount
• Currency (as a 3-letter ISO code)
• Status (see above for more information)
• Reason for the dispute
• Payment ID
• Reference
• Initiated on

Additionally, the Unanswered tab shows the dispute expiry date while the All disputes tab shows the date the dispute was last updated on.

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In the All disputes tab, you can:

• Filter by date range based on the Updated on date
• Filter by Payment ID, Dispute ID, ARN, Reference (exact match)

In the Payments screen

In the Action column, disputed payments have a disputed label next to the payment action.
The disputed label will appear on all rows relevant to that payment (e.g., auth, capture) and for any stage of the disputed payment (e.g., evidence required, evidence under review, won, lost).

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You can search for a dispute using its payment ID, dispute ID, or any other filter relevant in the page, such as reference or customer email.

View payment details

Click on any disputed payment in the Disputes or Payments screens to bring up the Payment details. You can view the dispute details, as well as the latest status of the payment.

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If a dispute has a status of evidence required, you can perform one of the following actions:

• Accept dispute
• Submit evidence (see below for more information)

Submit evidence

1. In the Payment details screen, review the dispute reason and details.
2. Click Submit evidence.
3. Select a tab:

• General: here you can upload all 7 different types of evidence (one file maximum per evidence type).
• Recommended: here you can upload the recommended types of evidence, according to the dispute reason.

4. Attach the relevant evidence, then:

• If you've finished, click Submit evidence. The dispute has been answered and its status changes to evidence under review. It will no longer appear in the Unanswered tab anymore, only in the All disputes tab.
• If you would like to come back and complete your submission later, click Save and continue later. The dispute status remains evidence required.