v1
latestOpenAPI 3.1.0Copyright Pismo2026-07-247702,7523.1 MBSupporting forms
Create dispute form
Create a dispute form with more information to send to the network.
You can create one of the following types of Expedited Billing Dispute Forms (EBDF):
-
fraudDrfDocument - Used for cases of fraud
-
cardholderDisputeChargebackDrfDocument - Used when the cardholder disputes a purchase and notifies the card issuer.
-
pointOfInteractionErrorsDrfDocument - Used when there's either a disagreement between parties or an error with the transaction. For example, a wrong value or a duplicate charge.
For VISA, you need to fill out the allocationQuestionnaire (reason 11) or collaborationQuestionnaire (reason 12 and 13) form object. VISA's rules for filling out form fields can be found in this guide document
For Elo, you need to fill out the clearingElo form object.
post/v1/disputes/{disputeId}/forms
Path parameters
disputeIdnumber required
Dispute ID
Request body
Example request
{
"form": {
"ebdf": {
"fraudDrfDocument": {
"numberOfItems": "1",
"types": "CARD_CLOSED",
"additionalInformation": "Test additional information",
"chargebackRepresentative": "Test representative",
"cardIssuerRegion": "Europe",
"cardholderVerificationMethod": {
"onlinePIN": "1",
"offlinePIN": "2",
"signature": "3",
"none": "4"
}
},
"cardholderDisputeChargebackDrfDocument": {
"transactionAmount": "100.00",
"type": "PRODUCT_DISPUTE",
"deliveryDateOfGoodsOrServices": "18-FEB-2018",
"expectedDeliveryDateOfGoodOrServices": "18-FEB-2018",
"returnDate": "18-FEB-2018",
"cancellationDate": "18-FEB-2018",
"disputeDetails": "Test dispute details...",
"chargebackRepresentative": "Ahsta LaVista Baybee"
},
"pointOfInteractionErrorsDrfDocument": {
"transactionAmount": "20000",
"type": "DUPLICATE_DEBIT",
"alternateMeansOfPaymentDetails": "Test alternate means of payment details",
"disputeDetails": "Test Dispute details",
"chargebackRepresentative": "Test Representative"
}
},
"allocationQuestionnaire": {
"accountStatus": "AC",
"oneAuthForMultipleSalesInd": "Y"
},
"collaborationQuestionnaire": {
"incorrectCurrencyReason": "CD",
"authorizationRequestDeclinedValidDataInd": true,
"explainWhyValidDataInclusionReason": "Explain why the inclusion of valid data would have caused the Authorization Request to be declined",
"correctCurrency": 986,
"cardholderDidNotAgreeDCC": "Y",
"transactionCodeIncorrect": "CRI",
"rolTransactionId": 123,
"explainWhyCreditRefundProcessedInError": "Explain why the credit refund was processed in error",
"issuerMasterFileAccountNumberInd": "Y",
"receiptAccountNumberMatchInd": "Y",
"cardholderReceiptAmt": 12,
"merchantDisputePriceDiffInd": "Y",
"bothTransactionsOnSameAcctNumberInd": "Y",
"duplicateTranId": "123456789012345",
"issuerOrCardholderOtherAcctWithDiffVisaCardInd": "Y",
"issuerEvidenceMerchantPassedOnFundsInd": "Y",
"cardholderAttemptToResolve": "Y",
"attemptToResolveProhLocalLaw": "Y",
"otherTranSameMerchantInd": "Y",
"providingPaymentProofOtherMeans": "A",
"arn": "001122334455667788991234",
"transactionID": "123456789012345",
"cancellationDate": "2022-05-20",
"contactMethodWithMerchantInd": true,
"contactMethodMerchantEmailInd": true,
"contactMethodMerchantCallCenterInd": true,
"contactMethodMerchantMailInd": true,
"contactMethodMerchantSMSInd": true,
"contactMethodMerchantInPersonInd": true,
"contactMethodMerchantWebformInd": true,
"otherFormOfPaymentInd": true,
"accountClosureDate": "2022-05-20",
"disputeRelateToInd": "Y",
"contractDate": "2022-05-20",
"merchandiseOrServices": "Merchandise",
"serviceType": "T",
"whatWasPurchased": "Provide details of what was purchased...",
"cardholderReceiveMerchandiseInd": "Y",
"chReceivedOrExpectedMerchandise": "2022-05-20",
"cardholderReturnMerchandiseInd": "Y",
"cardholderReturnedMerchandiseDate": "2022-05-20",
"returnedMerchandiseReceivedDate": "2022-05-20",
"returnMethod": "FF",
"howMerchandiseReturned": "Explain how the merchandise was returned...",
"shippingTrackingNumber": "774-4u7u3-u4u4u-35347",
"attemptedReturnDate": "2022-05-20",
"howChAttemptReturnAndDispOfMerchandise": "Provide a detailed description of how the cardholder attempted to return and the disposition of the merchandise.",
"merchantRefuseAdvise": "MRRM",
"didCardholderCancel": "Y",
"didCardholderCancelBeforeShipping": "Y",
"timeshareDate": "2022-05-20",
"dateOfService": "2022-05-20",
"certificationGuaranteedReservation": "GR",
"cancellationPolicyProvidedInd": "Y",
"whatWasOrdered": "What was ordered...",
"merchandiseWasCounterfeitDate": "2022-05-20",
"descCounterfeitMerchandise": "Describe the counterfeit merchandise",
"descDispOfCounterfeitMerchandise": "Describe the disposition of the counterfeit merchandise",
"originalCreditNotAccepted": "R",
"explain": "Explain",
"creditVoucherTransactionReceiptDated": "Y",
"creditVoucherOrTransactionReceiptDate": "2022-05-20",
"cardholderCancelledReturnedMerchDate": "2022-05-20",
"merchantInLiquidationOrReceivershipInd": "Y",
"whatWasNotReceived": "What was not received?",
"thirdPartyGiftCardInd": "Y",
"visaComCardVirtualAccInd": "Y",
"virtualAccFinancialLossInd": "Y",
"didMerchantCancelInd": "Y",
"merchantCancellationDate": "2022-05-20",
"nonReceiptOfTravelServicesInd": "Y",
"disputeInvolveBondingAuthorityInd": "Y",
"explainAttemptToResolveWithBondAuth": "Provide an explanation of the attempt to resolve the dispute with the bonding authority/insurance scheme or where the information was obtained to confirm an insufficient bond/insurance scheme",
"bondAuthLetterOrAdviceDate": "2022-05-20",
"purchasedInfo": "Provide detailed description of what was purchased and an explanation of the dispute",
"expectedReceiptDate": "2022-05-20",
"expectedReceiptTime": "10:30",
"explainDisputePriorDeliveryDate": "Explanation of dispute initiated prior to the expected delivery date",
"didCardholderCancelPriorExpectedDate": "Y",
"merchandiseDeliveredWrongLocation": "Y",
"lateDeliveryWrongLocation": "Provide address of the agreed location or details of late delivery",
"didMerchantCancelMerchandiseInd": "Y",
"merchantCancelMerchandiseDate": "What was ordered and how it was damaged",
"merchandiseReceivedDate": "2022-05-20",
"cardholderMerchantPreviousNegotiationEvidence": "Y",
"whenNegotiationsBegin": "2022-05-20",
"explainPrevNegotiation": "Explain the previous ongoing negotiations between the cardholder and merchant.",
"cardholderFirstNotifiedIssuerDisputeDate": "2022-05-20",
"serviceReceivedDate": "2022-05-20",
"howMerchandiseOrServiceMisrepresented": "How was the merchandise or service misrepresented?",
"merchandiseServiceReceivedDate": "2022-05-20",
"explainPreNegotiation": "Explain the previous ongoing negotiations between the cardholder and merchant.",
"orderDetailsNotAsDescribed": "Provide details of what was ordered and not as described",
"merchantReceivedReturnedMerchandiseDate": "2022-05-20",
"merchantAcceptCancellationInd": "Y",
"purchasedInfoAndQualityIssue": "Provide information about what was purchased and the quality issue",
"didCardholderPayWorkRedone": "Y",
"howTermsOfContractNotHonoredByMerchant": "Provide details how the terms of the contract were either not honored by the merchant or not as described",
"nonFiatCurrencyNotDelivered": "Y",
"merchandiseDeliveredLate": "Y",
"merchantInBankruptcyLiquidationInd": "Y",
"nonFiatCurrencyNotMatching": "Y",
"dispositionOfMerchandise": "a"
},
"preArbitration": {
"preArbReason": "Reason for pre-aritration",
"newInformationInd": "Y",
"newInformationDescription": "New information..."
},
"clearingElo": {
"additionalDataRecord": {
"airportTaxValue": "000000000000",
"changeValue": "00000000000",
"codeProduct": "071",
"conditionalCodeChipTransaction": "0, 1, 2",
"cpfOrCnpj": "00000000000000",
"feePaymentInput": "00000",
"indicatorMovement": "0",
"installmentNumber": "000",
"logicalNumberEquipment": "20172289",
"numberInstallmentsTransaction": "000",
"pointOfSale": "000000000000001",
"referenceNumberDispute": "000000",
"transactionCode": "06",
"transactionIndicator": "8",
"transactionSubCode": "01",
"transactionValue": "000000000000",
"walletId": "00000000000"
},
"authorizationCode": "661810",
"caller": "ELO",
"clearingType": "CREDIT",
"endpoint": "000666",
"headerServiceFile": {
"codeAcquirer": "0000",
"codeProcessor": "3178",
"emittingBank": "0985",
"fileVersion": "231",
"flagCode": "007",
"futureUse2": "0",
"returnDateArchive": "00000000",
"returnTimeArchive": "000000",
"routeIndicatorArchive": "1",
"sendDate": "20230717",
"serviceCode": "10",
"shipmentNumber": "0177",
"shippingDate": "20230717",
"shippingTimeArchive": "152300",
"transactionSubCode": "B0",
"windowNumber": " "
},
"mainDataRecord": {
"authorizationOrCancellationOriginIndicator": "1",
"cardholderVerificationMethod": "1",
"codeAcquirer": "9000",
"codeAuthorizationTransaction": "661810",
"codeCurrency": "986",
"codeFlag": "007",
"codeReasonDispute": "00",
"futureUse2": "00",
"futureUse4": "0",
"futureUse5": "0000",
"identificationTransaction": "1",
"numberReferenceTransaction": "70090003198000000723318",
"pointOfSaleCity": "ZAMBAS",
"pointOfSaleCountryCode": "BR",
"pointOfSaleMcc": "6531",
"pointOfSaleName": "Lns",
"posEntryMode": "07",
"processCode": "53",
"processingDate": "20230717",
"sellValue": "000000001000",
"terminalCapability": "V",
"transactionCode": "06",
"transactionDate": "20230717",
"transactionSubCode": "00",
"transactionTime": "092225"
},
"messageNumber": "157",
"orgId": "TN-41234404-7994-46d5-83d6-a55cxxxxxxxx",
"registrationFundsTransferData": {
"cardBIN": "00000000",
"identificationNumberOfPersonImpacted": "18230565371336",
"last4DigitsCard": "0000",
"nameCarrier": "bR1YsI xhDVQNL",
"originFunds": "02",
"phoneCarrier": "00000000000",
"transactionCode": "06",
"transactionSubCode": "P2P",
"typePayment": "06"
},
"registrationPaymentServiceData": {
"amountAuthorized": "000000001000",
"codeAnswerAuthorization": "00",
"codeCurrencyValueAuthorized": "986",
"futureUse19": "00",
"identifierTransaction": "202289723318",
"indicatorBusinessElectronic": "00",
"transactionCode": "06",
"transactionSubCode": "05",
"valueAuthorized": "000000001000"
},
"settlementCountryDataRecord": {
"countryCodeSettlement": "BR",
"dateLiquidationTransaction": "20230718",
"dateMovementTransactionOriginal": "00000000",
"municipalCode": "0000000",
"networkReferenceId": "1982391A0020319",
"pointOfSaleMarketplaceCode": "000000000000000",
"quantityDaysFinancialTransaction": "001",
"transactionCode": "06",
"transactionSubCode": "02",
"valueExchange": "0000000000",
"zipCodeEstablishmentCommercial": "i7qQFhLh"
}
}
}
}Response
OK
Example response
{
"id": 122,
"status": "PENDING",
"network": "MASTERCARD_CARD",
"form": {
"ebdf": {
"fraudDrfDocument": {
"numberOfItems": "1",
"types": "CARD_CLOSED",
"additionalInformation": "Test additional information",
"chargebackRepresentative": "Test representative",
"cardIssuerRegion": "Europe",
"cardholderVerificationMethod": {
"onlinePIN": "1",
"offlinePIN": "2",
"signature": "3",
"none": "4"
}
},
"cardholderDisputeChargebackDrfDocument": {
"transactionAmount": "100.00",
"type": "PRODUCT_DISPUTE",
"deliveryDateOfGoodsOrServices": "18-FEB-2018",
"expectedDeliveryDateOfGoodOrServices": "18-FEB-2018",
"returnDate": "18-FEB-2018",
"cancellationDate": "18-FEB-2018",
"disputeDetails": "Test dispute details...",
"chargebackRepresentative": "Ahsta LaVista Baybee"
},
"pointOfInteractionErrorsDrfDocument": {
"transactionAmount": "20000",
"type": "DUPLICATE_DEBIT",
"alternateMeansOfPaymentDetails": "Test alternate means of payment details",
"disputeDetails": "Test Dispute details",
"chargebackRepresentative": "Test Representative"
}
},
"allocationQuestionnaire": {
"accountStatus": "AC",
"oneAuthForMultipleSalesInd": "Y"
},
"collaborationQuestionnaire": {
"incorrectCurrencyReason": "CD",
"authorizationRequestDeclinedValidDataInd": true,
"explainWhyValidDataInclusionReason": "Explain why the inclusion of valid data would have caused the Authorization Request to be declined",
"correctCurrency": 986,
"cardholderDidNotAgreeDCC": "Y",
"transactionCodeIncorrect": "CRI",
"rolTransactionId": 123,
"explainWhyCreditRefundProcessedInError": "Explain why the credit refund was processed in error",
"issuerMasterFileAccountNumberInd": "Y",
"receiptAccountNumberMatchInd": "Y",
"cardholderReceiptAmt": 12,
"merchantDisputePriceDiffInd": "Y",
"bothTransactionsOnSameAcctNumberInd": "Y",
"duplicateTranId": "123456789012345",
"issuerOrCardholderOtherAcctWithDiffVisaCardInd": "Y",
"issuerEvidenceMerchantPassedOnFundsInd": "Y",
"cardholderAttemptToResolve": "Y",
"attemptToResolveProhLocalLaw": "Y",
"otherTranSameMerchantInd": "Y",
"providingPaymentProofOtherMeans": "A",
"arn": "001122334455667788991234",
"transactionID": "123456789012345",
"cancellationDate": "2022-05-20",
"contactMethodWithMerchantInd": true,
"contactMethodMerchantEmailInd": true,
"contactMethodMerchantCallCenterInd": true,
"contactMethodMerchantMailInd": true,
"contactMethodMerchantSMSInd": true,
"contactMethodMerchantInPersonInd": true,
"contactMethodMerchantWebformInd": true,
"otherFormOfPaymentInd": true,
"accountClosureDate": "2022-05-20",
"disputeRelateToInd": "Y",
"contractDate": "2022-05-20",
"merchandiseOrServices": "Merchandise",
"serviceType": "T",
"whatWasPurchased": "Provide details of what was purchased...",
"cardholderReceiveMerchandiseInd": "Y",
"chReceivedOrExpectedMerchandise": "2022-05-20",
"cardholderReturnMerchandiseInd": "Y",
"cardholderReturnedMerchandiseDate": "2022-05-20",
"returnedMerchandiseReceivedDate": "2022-05-20",
"returnMethod": "FF",
"howMerchandiseReturned": "Explain how the merchandise was returned...",
"shippingTrackingNumber": "774-4u7u3-u4u4u-35347",
"attemptedReturnDate": "2022-05-20",
"howChAttemptReturnAndDispOfMerchandise": "Provide a detailed description of how the cardholder attempted to return and the disposition of the merchandise.",
"merchantRefuseAdvise": "MRRM",
"didCardholderCancel": "Y",
"didCardholderCancelBeforeShipping": "Y",
"timeshareDate": "2022-05-20",
"dateOfService": "2022-05-20",
"certificationGuaranteedReservation": "GR",
"cancellationPolicyProvidedInd": "Y",
"whatWasOrdered": "What was ordered...",
"merchandiseWasCounterfeitDate": "2022-05-20",
"descCounterfeitMerchandise": "Describe the counterfeit merchandise",
"descDispOfCounterfeitMerchandise": "Describe the disposition of the counterfeit merchandise",
"originalCreditNotAccepted": "R",
"explain": "Explain",
"creditVoucherTransactionReceiptDated": "Y",
"creditVoucherOrTransactionReceiptDate": "2022-05-20",
"cardholderCancelledReturnedMerchDate": "2022-05-20",
"merchantInLiquidationOrReceivershipInd": "Y",
"whatWasNotReceived": "What was not received?",
"thirdPartyGiftCardInd": "Y",
"visaComCardVirtualAccInd": "Y",
"virtualAccFinancialLossInd": "Y",
"didMerchantCancelInd": "Y",
"merchantCancellationDate": "2022-05-20",
"nonReceiptOfTravelServicesInd": "Y",
"disputeInvolveBondingAuthorityInd": "Y",
"explainAttemptToResolveWithBondAuth": "Provide an explanation of the attempt to resolve the dispute with the bonding authority/insurance scheme or where the information was obtained to confirm an insufficient bond/insurance scheme",
"bondAuthLetterOrAdviceDate": "2022-05-20",
"purchasedInfo": "Provide detailed description of what was purchased and an explanation of the dispute",
"expectedReceiptDate": "2022-05-20",
"expectedReceiptTime": "10:30",
"explainDisputePriorDeliveryDate": "Explanation of dispute initiated prior to the expected delivery date",
"didCardholderCancelPriorExpectedDate": "Y",
"merchandiseDeliveredWrongLocation": "Y",
"lateDeliveryWrongLocation": "Provide address of the agreed location or details of late delivery",
"didMerchantCancelMerchandiseInd": "Y",
"merchantCancelMerchandiseDate": "What was ordered and how it was damaged",
"merchandiseReceivedDate": "2022-05-20",
"cardholderMerchantPreviousNegotiationEvidence": "Y",
"whenNegotiationsBegin": "2022-05-20",
"explainPrevNegotiation": "Explain the previous ongoing negotiations between the cardholder and merchant.",
"cardholderFirstNotifiedIssuerDisputeDate": "2022-05-20",
"serviceReceivedDate": "2022-05-20",
"howMerchandiseOrServiceMisrepresented": "How was the merchandise or service misrepresented?",
"merchandiseServiceReceivedDate": "2022-05-20",
"explainPreNegotiation": "Explain the previous ongoing negotiations between the cardholder and merchant.",
"orderDetailsNotAsDescribed": "Provide details of what was ordered and not as described",
"merchantReceivedReturnedMerchandiseDate": "2022-05-20",
"merchantAcceptCancellationInd": "Y",
"purchasedInfoAndQualityIssue": "Provide information about what was purchased and the quality issue",
"didCardholderPayWorkRedone": "Y",
"howTermsOfContractNotHonoredByMerchant": "Provide details how the terms of the contract were either not honored by the merchant or not as described",
"nonFiatCurrencyNotDelivered": "Y",
"merchandiseDeliveredLate": "Y",
"merchantInBankruptcyLiquidationInd": "Y",
"nonFiatCurrencyNotMatching": "Y",
"dispositionOfMerchandise": "a"
},
"preArbitration": {
"preArbReason": "Reason for pre-aritration",
"newInformationInd": "Y",
"newInformationDescription": "New information..."
}
},
"created_at": "2024-09-12T16:46:16.43663522",
"created_at_utc": "2021-02-21T22:51:43.000000000Z",
"update_at": "2021-02-22",
"update_at_utc": "2021-02-21T22:51:43.000000000Z"
}