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.