PUT /disputes/:disputeId GET /disputes/:disputeId
Disputes occur when a payment or part of a payment has been challenged by a consumer or a third party provider as an invalid payment.
When a dispute occurs, the origin account is always and immediately liable for the full amount of the dispute. To the extent that some or all of these funds were transferred to other accounts, the payment owner can recoup part or all of the dispute from those accounts. See Dispute Recoup.
If a dispute is "lost", the disputed amount is returned to the customer at the origin account's expense. If a dispute is "won", the disputed amount is returned to the origin account and any recoups will be reversed.
Bank disputes cannot be challenged by the Merchant (payment owner). A disputed bank payment is always considered to be "lost".
Card disputes can be challenged by the Merchant (payment owner) by submitting evidence on their behalf. The dispute process will potentially go through several stages of submitting evidence by both the merchant and the card holder before a final decision is rendered.
Even though each payment carries its own balance indicating where the funds from the payment currently reside, the disputed amount will always be deducted from the payment balances of the origin account in the following sequence and until the disputed amount is completely covered:
- "Final" balance until this balance is zero
- "Transferable" balance until this balance is also zero
- "Final" balance which is zero after 1 but will now get drawn negative
Anytime the "final" payment balance is negative, it implies that funds have been removed from the customer's available balance, whether the payment is "posted" or "paid".