Dispute notifications

The important fields in the dispute notification include:

event isexecutionActionCompleted
action isdispute
there’s a dispute block in the paymentCompositionobject
- dispute.amount shows the disputed amount
- both dispute.id and dispute.providerReference show the dispute reference given by the PSP
- dispute.paymentId shows the original ID of the payment to which the dispute has been filed
- dispute.reason is a reason of the dispute coming from the PSP
- dispute.status is a Payrails dispute status, mapped from the PSP status.

dispute.status in the Dispute notification can be one of the following:

dispute.status	Description
`FraudAlert`	Just a flag, no actions required.
`RetrievalOpened`	Claim motion filed on the issuer side, action is required before this is chargeback.
`RetrievalChallenged`	Merchant filed defense to the claim.
`RetrievalExpired`	Merchant took no action in the grace period.
`DisputeNotified`	Chargeback is about to be issued.
`DisputeOpened`	Chargeback took place already.
`DisputeChallenged`	Merchant defended their position on the chargeback.
`DisputeWon`	Issuer accepted Merchant defense.
`DisputeLost`	Issuer rejected Merchant defense.
`DisputeExpired`	Merchant took no action in the grace period.
`DisputeAccepted`	Merchant accepted the user’s dispute and decided not to challenge.
`DisputeCancelled`	User cancelled their dispute.
`ArbitrationOpened`	(available only in selected schemes) Merchant requested 2nd arbitration.
`ArbitrationWon`	Merchant won the arbitration.
`ArbitrationLost`	Merchant lost the arbitration

Currently supported PSPs are: Adyen, Stripe, checkout.com, dLocal. A notification example: Some of the details of the objects that are not relevant to the Dispute are omitted in this example (like customer, order, or risk).

Dispute notification

{
  "action": "dispute",
  "actionId": "11111111-2e6e-5499-9bba-8795e382da46",
  "amount": {
    "currency": "USD",
    "value": "10.00"
  },
  "execution": {
    "holderId": "",
    "holderReference": "",
    "id": "",
    "merchantReference": "",
    "meta": {
      "clientContext": {},
      "customer": {},

      "order": {},
      "risk": {},
      "vendor": {}
    },

    "providerReference": "ref_111122223333",
    "workflowCode": "payment-acceptance"
  },
  "paymentComposition": [
    {
      "acquirerMID": "112233", // if sent by provider
      "authorizationCode": "445566", // if sent by provider
      "acquirerAccountCode": "value", // if sent by provider
      "acquirerReference": "1122334455", // if sent by provider

      "amount": {
        "currency": "USD",
        "value": "10.00"
      },
      "dispute": {
        "amount": {
          "currency": "USD",
          "value": "10.00"
        },
        "createdAt": "2025-11-18T17:48:31Z",
        "id": "dispute_ref_111122223333",
        "network": "",
        "paymentId": "payment_111122223333",
        "providerReference": "dispute_ref_111122223333",
        "reason": "unauthorized_use_of_card",
        "status": "FraudAlert"
      },

      "integrationType": "api",

      "operationProviderReference": "dispute_ref_111122223333",

      "operationResult": "Success",

      "operationType": "ChargebackNotification",

      "paymentId": "payment_111122223333",

      "paymentInstrument": {
        "createdAt": "2025-10-10T10:56:16.342222Z",
        "data": {
          "bin": "411111",
          "binLookup": {
            "bin": "411111",
            "issuer": "BANK OF AMERICA",
            "issuerCountry": {
              "code": "US",
              "iso3": "USA",
              "name": "UNITED STATES"
            },
            "network": "visa",
            "segment": "classic",
            "type": "DEBIT"
          },
          "expiryMonth": "03",
          "expiryYear": "2027",
          "network": "visa",
          "networkDisplayName": "Visa",
          "suffix": "1111"
        },
        "default": false,
        "description": "Payment instrument for user",
        "displayName": "Visa **** 1111",
        "fingerprint": "",
        "holderId": "",
        "id": "",
        "merchantReference": "",
        "paymentMethod": "card",
        "status": "transient",
        "updatedAt": ""
      },

      "paymentInstrumentId": "",

      "paymentInstrumentToken": {
        "meta": {
          "holderReference": ""
        },
        "reference": "",
        "type": "vault"
      },

      "paymentInstrumentTokenId": "",
      "paymentMethodCode": "card",
      "provider": {
        "configSchema": "",
        "createdAt": "",
        "displayName": "Stripe",
        "id": "",
        "name": "stripe",
        "notificationURLTemplate": "",
        "status": "active",
        "type": "Payment",
        "updatedAt": ""
      },
      "providerConfigId": "",
      "providerId": "",
      "providerReference": "ref_111122223333",
      "retries": {},
      "storeInstrument": false,
      "success": true,
      "threeDS": {
        "authenticationType": "",
        "authenticationValue": "",
        "dsTransId": "",
        "eci": "",
        "transStatus": "",
        "transStatusReason": "",
        "version": "2.2.0"
      }
    }
  ],
  "success": true
}

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