Accepting a Dispute

Learn how to accept a Dispute.

You can accept a Dispute to prevent a long (and potentially expensive) process. When you accept a Dispute, you concede that the dispute is not worth challenging or representing.

For example, you may want to concede to a Dispute if:

You agree with the buyer.
You don't have evidence.
The transaction amount is low and you don't want to invest time to respond and represent the Dispute.
You suspect there is fraud or an issue internally.

Accepting Disputes

Finix Dashboard

Use the Disputes tab in the Finix Dashboard to accept a Dispute. For more information, see Managing Disputes on the Dashboard.

Finix API

Disputes can be only be accepted when Dispute#response_state is NEEDS_RESPONSE. For more details, see Responding to Disputes.

Use the following request to accept a Dispute:

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curl https://finix.sandbox-payments-api.com/disputes/DIs7yQRkHDdMYhurzYz72SFk/accept \
    -H "Content-Type: application/json" \
    -H 'Finix-Version: 2022-02-01' \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '
    {
        "note": "Accepting Dispute: Valid Reason"
    }'

Example Response

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{
    "id": "DIs7yQRkHDdMYhurzYz72SFk",
    "created_at": "2022-01-27T07:43:03.74Z",
    "updated_at": "2022-09-16T22:21:54.75Z",
    "action": null,
    "amount": 888888,
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "dispute_details": {
        "arn": "123"
    },
    "evidence_submitted": "INQUIRY",
    "identity": "IDpYDM7J9n57q849o9E9yNrG",
    "merchant" : "MUucec6fHeaWo3VHYoSkUySM",
    "message": null,
    "occurred_at": "2022-01-27T07:42:48.56Z",
    "reason": "FRAUD",
    "respond_by": "2022-02-03T07:43:03.73Z",
    "response_state": "NEEDS_RESPONSE",
    "state": "INQUIRY",
    "tags": {
        "order_number": "21DFASJSAKAS"
    },
    "transfer": "TRoTrJ3kqNTFh1P2FJ7A36Ky",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/disputes/DIs7yQRkHDdMYhurzYz72SFk"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "transfer": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRoTrJ3kqNTFh1P2FJ7A36Ky"
        },
        "evidence": {
            "href": "https://finix.sandbox-payments-api.com/disputes/DIs7yQRkHDdMYhurzYz72SFk/evidence"
        },
        "adjustment_transfers": {
            "href": "https://finix.sandbox-payments-api.com/disputes/DIs7yQRkHDdMYhurzYz72SFk/adjustment_transfers"
        }
    }
}

Dispute Response States

`response_state`	Description
NEEDS_RESPONSE	The `Merchant` needs to respond to the `Dispute` by `Dispute#respond_by`. For details on how to respond to a `Dispute`, see Responding to Disputes.
RESPONDED	The issuing bank has received the evidence and actively reviewing it. No action needed from the `Merchant`.
ACCEPTED	The `Merchant` has accepted the `Dispute`. When a `Dispute` is accepted, you concede that the dispute is not worth challenging or representing. For details on how to accept a `Dispute`, see Accepting a Dispute.
NO_RESPONSE_ALLOWED	The final `Dispute#response_state` when a `Dispute` is either WON or LOST.
UNKNOWN	`Dispute` details couldn't be submitted to the processor. Comes up when testing `Disputes` in sandbox or on the DUMMY_V1 processor.

Accepted Dispute States

`state`	Description
INQUIRY	The `Dispute` is being reviewed by the buyer's issuing bank. When `Dispute#state` is INQUIRY no changes can be made and the `Dispute` can't be accepted.
PENDING	The `Dispute` can be accepted. When accepted, the `Dispute#state` changes to LOST. This `Dispute#state` change will happen at a later time, after the `Dispute` accept request is submitted. We recommend subscribing to our webhooks, and listening for the `Dispute` updated event.
LOST	The `Dispute` is lost. It's can't be accepted and no further changes can be made.
WON	The `Dispute` is won. It's can't be accepted and no further changes can be made.