---
title: "Create dispute"
method: POST
path: "/v1/networkauthorization-disputes"
tags: ["Disputes"]
---

# Create dispute

`POST /v1/networkauthorization-disputes`

Create a dispute for a Zero or Full balance program. You can create a dispute for a transaction made with a Pismo-issued card (Full balance) or with another card (Zero balance). You need to pass different parameters depending on which one as noted in the parameter descriptions.

Disputes are initially created with a `PENDING` status. After you've uploaded all your supporting forms and evidence files, call [Update dispute status](https://developers.pismo.io/pismo-docs/reference/post-v1-disputes-disputeid-event) and use the `OPEN` event to change the status to `OPENED` and begin the dispute process with the network.

For more information on events and statuses, refer to the <a href="https://developers.pismo.io/pismo-docs/docs/disputes-state-machine">Disputes state machine</a>.

This endpoint generates a <a href="https://developers.pismo.io/events/docs/disputes-dispute-installment-creation-1">Dispute installment created</a> event.

**Note:** For Zero balance customers, this endpoint takes an account token - an access token encoded with a Pismo account ID. Tokens can expire quickly, which can result in a <b>401 Unauthorized</b> message.

## Headers

- `Authorization` string, required

## Request body

- DisputeRequestNetwork — Request used to file a Dispute over a network authorization.
  - `modality` number, required — Each card network, such as Visa or Mastercard, defines and maintains their own unique set of reason codes, which banks that issue credit and debit cards under their brands apply to disputes. Here's a reason code [quick reference](https://www.chargebackgurus.com/blog/a-definitive-guide-to-chargeback-reason-codes-by-card-network#chargback-reason-code-quick-reference-guide) for the major credit card networks. For Visa, this would be either `10` (fraud - card present), `11` (authorization), `12` (processing error), or `13` (consumer dispute). For more infomation, refer to the [Visa](https://usa.visa.com/dam/VCOM/global/support-legal/documents/chargeback-management-guidelines-for-visa-merchants-vbs-19-may-16-%20v2.pdf) or [Mastercard](https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/chargeback-guide.pdf) chargeback quides. For example - `4853` (Mastercard - cardholder dispute), `12` (Visa - processing error) or `72` (ELO - denied authorization)
  - `disputed_amount` number, required — Disputed amount.
  - `is_partial` boolean, required — Is partial amount chargeback? Default is `false`.
  - `network_brand_type` 'Visa' | 'Mastercard' | 'Elo', required — Network brand
  - `authorization_id` number — Related authorization ID. **REQUIRED** when disputed in a Full balance program or the network brand is Elo.
  - `comment` string, nullable — Client custom dispute comment. **REQUIRED** for Visa partial dispute to explain why partial.
  - `protocol` string — Client custom protocol ID. This is primarily for you to internally identify a request. If not provided, Pismo creates a CID (correlation ID) field for this purpose.
  - `metadata` string — Any data object with key/value pairs. No limit on length. **Note**: This field must not be used to send Personally Identifiable Information (PII), Payment Card Industry (PCI) data, or any sensitive/regulated information. Metadata fields are intended for operational, non-sensitive data only. For sensitive data, use the specific parameters designed for that purpose. For more information, refer to [Get started with Pismo APIs](https://developers.pismo.io/pismo-docs/reference/get-started-with-pismo-apis#metadata).
  - `first_installment_amount` number — Amount to be disputed on first Installment chargeback.
  - `arn` string — Acquirer reference number. **REQUIRED** when disputed in a Zero balance program.
  - `transaction_date` string, Date — **REQUIRED** when disputed in a Zero balance program. Format = yyyy-mm-dd
  - `dispute_due_to` 'NR' | 'CR' | 'ND' | 'DM' | 'Q' | 'CM' | 'M' | 'CN' | 'CS' | 'OC' | 'CL' | 'TC' | 'D' | 'IAN' | 'IA' | 'IC' | 'IT' | 'ID' | 'LP' | 'P' — **REQUIRED** when dispute is open to Visa Collaboration (Reason code 12 and 13 and Visa network brand). Collaboration is the new name for Visa's old chargeback process, where each party has several chances to investigate and submit evidence in order to determine whether a chargeback is legitimate.<br> `NR` = Merchandise/services not receive<br> `CR` = Cancelled recurring transaction<br> `ND` = Not as described<br> `DM` = Damaged or defective merchandise<br> `Q` = Quality<br> `CM` = Counterfeit merchandise<br> `M` = Misrepresentation<br> `CN` = Credit not processed<br> `CS` = Cancelled merchandise/services<br> `OC` = Original credit not accepted<br> `CL` = Non-receipt of cash<br> `TC` = Terms of contract (virtual account)<br> `D` = Duplicate<br> `IAN` = Incorrect account number<br> `IA` = Incorrect amount<br> `IC` = Incorrect currency<br> `IT` = Incorrect transaction code<br> `ID` = Invalid data<br> `LP` = Late presentment<br> `P` = Paid by other means<br> For VISA, you need to fill out the `collaborationQuestionnaire` form object in the [Create dispute form](https://developers.pismo.io/pismo-docs/reference/post-v1-disputes-disputeid-forms) endpoint.
  - `currency_code` string — Dispute ISO4217 currency code. Default is 986 - Brazilian real. This is **REQUIRED** if you are creating a dispute in a Zero balance program.
  - `fraud_type` '0' | '1' | '2' | '3' | '4' | '5' | '6' | 'A' | 'B' | 'C' | 'D' — Fraud type:<br> `0` - Lost<br> `1` - Stolen<br> `2` - Card not received as issued (NRI)<br> `3` - Fraudulent application (cardholder never applied for the card)<br> `4` - Issuer-reported counterfeit<br> `5` - Miscellaneous<br> `6` - Fraudulent use of account number<br> `A` = Incorrect processing<br> `B` = Account or credentials takeover<br> `C` = Merchant misrepresentation<br> `D` = Manipulation of account holder<br>
  - `document_indicator` boolean — Document submission indicator (ELO). Default is `true`.
  - `airport_tax` boolean — For ELO network, should dispute for airport tax be created? Default is `true` for ELO.
  - `airport_tax_partial` boolean — For ELO network, should airport tax be partially disputed? Default is `false`.
  - `airport_tax_amount` number — Airport tax amount to be disputed. **REQUIRED** if `airport_tax_partial` is `true`.
  - `card_hash` string — Card number hash.
  - `authorization_code` string — Authorization code
  - `transaction_amount` number — Transaction amount

## Response `200`

OK

- DisputeNetworkResponse — Dispute respnse from Network
  - `id` number — Dispute ID
  - `authorization_id` number — Network authorization ID
  - `account_id` integer — Account ID
  - `airport_tax` boolean — Should dispute for airport tax be created? Default is `true` for the ELO card network.
  - `airport_tax_partial` boolean — Should airport tax be partially disputed? Default is `false`.
  - `airport_tax_amount` number — Airport tax amount to be disputed. **REQUIRED** if `airport_tax_partial` is `true`.
  - `comment` string, nullable — Client custom dispute comment. **REQUIRED** for Visa partial dispute to explain why partial.
  - `dispute_installment_id` integer — Dispute installment ID.
  - `reason` object — Pismo's reason object.
    - `dispute_reason_id` number — Reason ID.
    - `description` string — Reason description.
    - `code` number — Each card network, such as Visa or Mastercard, defines and maintains their own unique set of reason codes, which banks that issue credit and debit cards under their brands apply to disputes. Here's a reason code [quick reference](https://www.chargebackgurus.com/blog/a-definitive-guide-to-chargeback-reason-codes-by-card-network#chargback-reason-code-quick-reference-guide) for the major credit card networks. For Visa, this would be either `10` (fraud - card present), `11` (authorization), `12` (processing error), or `13` (consumer dispute). For more infomation, refer to the [Visa](https://usa.visa.com/dam/VCOM/global/support-legal/documents/chargeback-management-guidelines-for-visa-merchants-vbs-19-may-16-%20v2.pdf) or [Mastercard](https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/chargeback-guide.pdf) chargeback quides. For example - `4853` (Mastercard - cardholder dispute), `12` (Visa - processing error) or `72` (ELO - denied authorization)
    - `initial_status` string
    - `initial_status_pci` string
    - `is_fraud` boolean — Is fraud?

## Other responses

- `400` — Bad request
- `401` — Access token is missing or invalid
- `422` — Unprocessable entity
- `500` — Internal server error

---

[API](https://skmtc.net/pismo/apis/platform-authentication.md) · [All operations](https://skmtc.net/pismo/apis/platform-authentication/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/pismo/platform-authentication/revisions/935b62e16de4/schema)