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
:
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
{
"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. |