# Card Disputes > If unauthorized activity occurs on a card, you can create a Card Dispute and we'll work with the card networks to return the funds if appropriate. [Events](https://increase.com/documentation/events.md) will be generated for this resource. The possible event categories are: `card_dispute.created` and `card_dispute.updated`. ## The Card Dispute object ### Example ```json { "amount": 1000, "card_id": "card_oubs0hwk5rn6knuecxg2", "created_at": "2020-01-31T23:59:59Z", "disputed_transaction_id": "transaction_uyrp7fld2ium70oa7oi", "id": "card_dispute_h9sc95nbl1cgltpp7men", "idempotency_key": null, "loss": null, "network": "visa", "status": "pending_response", "type": "card_dispute", "user_submission_required_by": null, "visa": { "network_events": [], "required_user_submission_category": null, "user_submissions": [ { "accepted_at": null, "amount": 1000, "attachment_files": [], "category": "chargeback", "chargeback": { "authorization": null, "category": "fraud", "consumer_canceled_merchandise": null, "consumer_canceled_recurring_transaction": null, "consumer_canceled_services": null, "consumer_counterfeit_merchandise": null, "consumer_credit_not_processed": null, "consumer_damaged_or_defective_merchandise": null, "consumer_merchandise_misrepresentation": null, "consumer_merchandise_not_as_described": null, "consumer_merchandise_not_received": null, "consumer_non_receipt_of_cash": null, "consumer_original_credit_transaction_not_accepted": null, "consumer_quality_merchandise": null, "consumer_quality_services": null, "consumer_services_misrepresentation": null, "consumer_services_not_as_described": null, "consumer_services_not_received": null, "fraud": { "fraud_type": "lost" }, "processing_error": null }, "created_at": "2020-01-31T23:59:59Z", "explanation": null, "further_information_requested_at": null, "further_information_requested_reason": null, "status": "pending_reviewing", "updated_at": "2020-01-31T23:59:59Z" } ] }, "win": null, "withdrawal": null } ``` ### Attributes - `amount` (integer) The amount of the dispute. - `card_id` (string) The Card that the Card Dispute is associated with. - `created_at` (string) The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the Card Dispute was created. - `disputed_transaction_id` (string) The identifier of the Transaction that was disputed. - `id` (string) The Card Dispute identifier. - `idempotency_key` (string, nullable) The idempotency key you chose for this object. This value is unique across Increase and is used to ensure that a request is only processed once. Learn more about [idempotency](https://increase.com/documentation/idempotency-keys). - `loss` (dictionary, nullable) If the Card Dispute's status is `lost`, this will contain details of the lost dispute. - `loss.lost_at` (string) The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the Card Dispute was lost. - `loss.reason` (enum) The reason the Card Dispute was lost. Cases: * `user_withdrawn` (The user withdrew the Card Dispute.) * `loss` (The Card Dispute was lost according to network rules.) - `network` (enum) The network that the Card Dispute is associated with. Cases: * `visa` (Visa: details will be under the `visa` object.) * `pulse` (Pulse: details will be under the `pulse` object.) - `status` (enum) The status of the Card Dispute. Cases: * `user_submission_required` (A User Submission is required to continue with the Card Dispute.) * `pending_user_submission_reviewing` (The most recent User Submission is being reviewed.) * `pending_user_submission_submitting` (The most recent User Submission is being submitted to the network.) * `pending_user_withdrawal_submitting` (The user's withdrawal of the Card Dispute is being submitted to the network.) * `pending_response` (The Card Dispute is pending a response from the network.) * `lost` (The Card Dispute has been lost and funds previously credited from the acceptance have been debited.) * `won` (The Card Dispute has been won and no further action can be taken.) - `type` (string) A constant representing the object's type. For this resource it will always be `card_dispute`. - `user_submission_required_by` (string, nullable) The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the user submission is required by. Present only if status is `user_submission_required` and a user submission is required by a certain time. Otherwise, this will be `nil`. - `visa` (dictionary, nullable) Card Dispute information for card payments processed over Visa's network. This field will be present in the JSON response if and only if `network` is equal to `visa`. - `visa.network_events` (array of objects) The network events for the Card Dispute. - `visa.network_events.attachment_files` (array of objects) The files attached to the Visa Card Dispute User Submission. - `visa.network_events.attachment_files.file_id` (string) The ID of the file attached to the Card Dispute. - `visa.network_events.category` (enum) The category of the user submission. We may add additional possible values for this enum over time; your application should be able to handle such additions gracefully. Cases: * `chargeback_accepted` (Card Dispute Chargeback Accepted Visa Network Event: details will be under the `chargeback_accepted` object.) * `chargeback_submitted` (Card Dispute Chargeback Submitted Visa Network Event: details will be under the `chargeback_submitted` object.) * `chargeback_timed_out` (Card Dispute Chargeback Timed Out Visa Network Event: details will be under the `chargeback_timed_out` object.) * `merchant_prearbitration_decline_submitted` (Card Dispute Merchant Pre-Arbitration Decline Submitted Visa Network Event: details will be under the `merchant_prearbitration_decline_submitted` object.) * `merchant_prearbitration_received` (Card Dispute Merchant Pre-Arbitration Received Visa Network Event: details will be under the `merchant_prearbitration_received` object.) * `merchant_prearbitration_timed_out` (Card Dispute Merchant Pre-Arbitration Timed Out Visa Network Event: details will be under the `merchant_prearbitration_timed_out` object.) * `represented` (Card Dispute Re-presented Visa Network Event: details will be under the `represented` object.) * `representment_timed_out` (Card Dispute Re-presentment Timed Out Visa Network Event: details will be under the `representment_timed_out` object.) * `user_prearbitration_accepted` (Card Dispute User Pre-Arbitration Accepted Visa Network Event: details will be under the `user_prearbitration_accepted` object.) * `user_prearbitration_declined` (Card Dispute User Pre-Arbitration Declined Visa Network Event: details will be under the `user_prearbitration_declined` object.) * `user_prearbitration_submitted` (Card Dispute User Pre-Arbitration Submitted Visa Network Event: details will be under the `user_prearbitration_submitted` object.) * `user_prearbitration_timed_out` (Card Dispute User Pre-Arbitration Timed Out Visa Network Event: details will be under the `user_prearbitration_timed_out` object.) * `user_withdrawal_submitted` (Card Dispute User Withdrawal Submitted Visa Network Event: details will be under the `user_withdrawal_submitted` object.) - `visa.network_events.chargeback_accepted` (dictionary, nullable) A Card Dispute Chargeback Accepted Visa Network Event object. This field will be present in the JSON response if and only if `category` is equal to `chargeback_accepted`. Contains the details specific to a chargeback accepted Visa Card Dispute Network Event, which represents that a chargeback has been accepted by the merchant. - `visa.network_events.chargeback_submitted` (dictionary, nullable) A Card Dispute Chargeback Submitted Visa Network Event object. This field will be present in the JSON response if and only if `category` is equal to `chargeback_submitted`. Contains the details specific to a chargeback submitted Visa Card Dispute Network Event, which represents that a chargeback has been submitted to the network. - `visa.network_events.chargeback_timed_out` (dictionary, nullable) A Card Dispute Chargeback Timed Out Visa Network Event object. This field will be present in the JSON response if and only if `category` is equal to `chargeback_timed_out`. Contains the details specific to a chargeback timed out Visa Card Dispute Network Event, which represents that the chargeback has timed out in the user's favor. - `visa.network_events.created_at` (string) The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the Visa Card Dispute Network Event was created. - `visa.network_events.dispute_financial_transaction_id` (string, nullable) The dispute financial transaction that resulted from the network event, if any. - `visa.network_events.merchant_prearbitration_decline_submitted` (dictionary, nullable) A Card Dispute Merchant Pre-Arbitration Decline Submitted Visa Network Event object. This field will be present in the JSON response if and only if `category` is equal to `merchant_prearbitration_decline_submitted`. Contains the details specific to a merchant prearbitration decline submitted Visa Card Dispute Network Event, which represents that the user has declined the merchant's request for a prearbitration request decision in their favor. - `visa.network_events.merchant_prearbitration_received` (dictionary, nullable) A Card Dispute Merchant Pre-Arbitration Received Visa Network Event object. This field will be present in the JSON response if and only if `category` is equal to `merchant_prearbitration_received`. Contains the details specific to a merchant prearbitration received Visa Card Dispute Network Event, which represents that the merchant has issued a prearbitration request in the user's favor. - `visa.network_events.merchant_prearbitration_received.cardholder_no_longer_disputes` (dictionary, nullable) Cardholder no longer disputes details. Present if and only if `reason` is `cardholder_no_longer_disputes`. - `visa.network_events.merchant_prearbitration_received.cardholder_no_longer_disputes.explanation` (string, nullable) Explanation for why the merchant believes the cardholder no longer disputes the transaction. - `visa.network_events.merchant_prearbitration_received.compelling_evidence` (dictionary, nullable) Compelling evidence details. Present if and only if `reason` is `compelling_evidence`. - `visa.network_events.merchant_prearbitration_received.compelling_evidence.category` (enum) The category of compelling evidence provided by the merchant. Cases: * `authorized_signer` (Authorized signer known by the cardholder.) * `delivery` (Proof of delivery.) * `delivery_at_place_of_employment` (Proof of delivery to cardholder at place of employment.) * `digital_goods_download` (Proof of digital goods download.) * `dynamic_currency_conversion_actively_chosen` (Dynamic Currency Conversion actively chosen by cardholder.) * `flight_manifest_and_purchase_itinerary` (Flight manifest with corresponding purchase itinerary record.) * `household_member_signer` (Signer is member of cardholder's household.) * `legitimate_spend_across_payment_types_for_same_merchandise` (Legitimate spend across multiple payment types for same merchandise.) * `merchandise_use` (Documentation to prove the cardholder is in possession of and/or using the merchandise.) * `passenger_transport_ticket_use` (Passenger transport: proof ticket was received, scanned at gate or other transaction related to original (for example, frequent flyer miles.)) * `recurring_transaction_with_binding_contract_or_previous_undisputed_transaction` (Recurring transaction with binding contract or previous undisputed recurring transactions and proof the cardholder is using the merchandise or service.) * `signed_delivery_or_pickup_form` (Signed delivery form, or copy of/details of identification from cardholder as proof goods were picked up at merchant location.) * `signed_mail_order_phone_order_form` (Signed Mail Order/Phone Order form.) * `travel_and_expense_loyalty_transaction` (Travel & Expense: loyalty transactions related to purchase.) * `travel_and_expense_subsequent_purchase` (Travel & Expense: subsequent purchases made throughout service period.) - `visa.network_events.merchant_prearbitration_received.compelling_evidence.explanation` (string, nullable) Explanation of the compelling evidence provided by the merchant. - `visa.network_events.merchant_prearbitration_received.credit_or_reversal_processed` (dictionary, nullable) Credit or reversal processed details. Present if and only if `reason` is `credit_or_reversal_processed`. - `visa.network_events.merchant_prearbitration_received.credit_or_reversal_processed.amount` (integer) The amount of the credit or reversal in the minor unit of its currency. For dollars, for example, this is cents. - `visa.network_events.merchant_prearbitration_received.credit_or_reversal_processed.currency` (string) The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the credit or reversal's currency. - `visa.network_events.merchant_prearbitration_received.credit_or_reversal_processed.explanation` (string, nullable) Explanation for why the merchant believes the credit or reversal was processed. - `visa.network_events.merchant_prearbitration_received.credit_or_reversal_processed.processed_at` (string) The date the credit or reversal was processed. - `visa.network_events.merchant_prearbitration_received.delayed_charge_transaction` (dictionary, nullable) Delayed charge transaction details. Present if and only if `reason` is `delayed_charge_transaction`. - `visa.network_events.merchant_prearbitration_received.delayed_charge_transaction.explanation` (string, nullable) Additional details about the delayed charge transaction. - `visa.network_events.merchant_prearbitration_received.evidence_of_imprint` (dictionary, nullable) Evidence of imprint details. Present if and only if `reason` is `evidence_of_imprint`. - `visa.network_events.merchant_prearbitration_received.evidence_of_imprint.explanation` (string, nullable) Explanation of the evidence of imprint. - `visa.network_events.merchant_prearbitration_received.invalid_dispute` (dictionary, nullable) Invalid dispute details. Present if and only if `reason` is `invalid_dispute`. - `visa.network_events.merchant_prearbitration_received.invalid_dispute.explanation` (string, nullable) Explanation for why the dispute is considered invalid by the merchant. - `visa.network_events.merchant_prearbitration_received.invalid_dispute.reason` (enum) The reason a merchant considers the dispute invalid. Cases: * `other` (Other.) * `special_authorization_procedures_followed` (Special authorization procedures followed.) - `visa.network_events.merchant_prearbitration_received.non_fiat_currency_or_non_fungible_token_received` (dictionary, nullable) Non-fiat currency or non-fungible token received details. Present if and only if `reason` is `non_fiat_currency_or_non_fungible_token_received`. - `visa.network_events.merchant_prearbitration_received.non_fiat_currency_or_non_fungible_token_received.blockchain_transaction_hash` (string) Blockchain transaction hash. - `visa.network_events.merchant_prearbitration_received.non_fiat_currency_or_non_fungible_token_received.destination_wallet_address` (string) Destination wallet address. - `visa.network_events.merchant_prearbitration_received.non_fiat_currency_or_non_fungible_token_received.prior_approved_transactions` (string, nullable) Prior approved transactions. - `visa.network_events.merchant_prearbitration_received.prior_undisputed_non_fraud_transactions` (dictionary, nullable) Prior undisputed non-fraud transactions details. Present if and only if `reason` is `prior_undisputed_non_fraud_transactions`. - `visa.network_events.merchant_prearbitration_received.prior_undisputed_non_fraud_transactions.explanation` (string, nullable) Explanation of the prior undisputed non-fraud transactions provided by the merchant. - `visa.network_events.merchant_prearbitration_received.reason` (enum) The reason the merchant re-presented the dispute. Cases: * `cardholder_no_longer_disputes` (Cardholder no longer disputes the transaction.) * `compelling_evidence` (Compelling evidence.) * `credit_or_reversal_processed` (Credit or reversal was processed.) * `delayed_charge_transaction` (Delayed charge transaction.) * `evidence_of_imprint` (Evidence of imprint.) * `invalid_dispute` (Invalid dispute.) * `non_fiat_currency_or_non_fungible_token_received` (Non-fiat currency or non-fungible token was received by the cardholder.) * `prior_undisputed_non_fraud_transactions` (Prior undisputed non-fraud transactions.) - `visa.network_events.merchant_prearbitration_timed_out` (dictionary, nullable) A Card Dispute Merchant Pre-Arbitration Timed Out Visa Network Event object. This field will be present in the JSON response if and only if `category` is equal to `merchant_prearbitration_timed_out`. Contains the details specific to a merchant prearbitration timed out Visa Card Dispute Network Event, which represents that the user has timed out responding to the merchant's prearbitration request. - `visa.network_events.represented` (dictionary, nullable) A Card Dispute Re-presented Visa Network Event object. This field will be present in the JSON response if and only if `category` is equal to `represented`. Contains the details specific to a re-presented Visa Card Dispute Network Event, which represents that the merchant has declined the user's chargeback and has re-presented the payment. - `visa.network_events.represented.cardholder_no_longer_disputes` (dictionary, nullable) Cardholder no longer disputes details. Present if and only if `reason` is `cardholder_no_longer_disputes`. - `visa.network_events.represented.cardholder_no_longer_disputes.explanation` (string, nullable) Explanation for why the merchant believes the cardholder no longer disputes the transaction. - `visa.network_events.represented.credit_or_reversal_processed` (dictionary, nullable) Credit or reversal processed details. Present if and only if `reason` is `credit_or_reversal_processed`. - `visa.network_events.represented.credit_or_reversal_processed.amount` (integer) The amount of the credit or reversal in the minor unit of its currency. For dollars, for example, this is cents. - `visa.network_events.represented.credit_or_reversal_processed.currency` (string) The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the credit or reversal's currency. - `visa.network_events.represented.credit_or_reversal_processed.explanation` (string, nullable) Explanation for why the merchant believes the credit or reversal was processed. - `visa.network_events.represented.credit_or_reversal_processed.processed_at` (string) The date the credit or reversal was processed. - `visa.network_events.represented.invalid_dispute` (dictionary, nullable) Invalid dispute details. Present if and only if `reason` is `invalid_dispute`. - `visa.network_events.represented.invalid_dispute.explanation` (string, nullable) Explanation for why the dispute is considered invalid by the merchant. - `visa.network_events.represented.invalid_dispute.reason` (enum) The reason a merchant considers the dispute invalid. Cases: * `automatic_teller_machine_transaction_proof_provided` (Automatic Teller Machine (ATM) transaction proof provided.) * `balance_of_partial_prepayment_not_paid` (Balance of partial prepayment not paid.) * `cardholder_canceled_before_expected_merchandise_receipt_date` (Cardholder canceled before expected receipt date of the merchandise.) * `cardholder_canceled_before_expected_services_receipt_date` (Cardholder canceled before expected receipt date of the services.) * `cardholder_canceled_different_date` (Cardholder canceled on a different date than claimed.) * `cardholder_did_not_cancel_according_to_policy` (Cardholder received did not cancel according to policy.) * `cardholder_received_merchandise` (Cardholder received the merchandise.) * `country_code_correct` (Country code is correct.) * `credit_processed_correctly` (Credit was processed correctly.) * `currency_correct` (Currency is correct.) * `dispute_is_for_quality` (Dispute is for quality.) * `dispute_is_for_visa_cash_back_transaction_portion` (Dispute is for Visa Cash Back transaction portion.) * `disputed_amount_is_value_added_tax` (Disputed amount is Value Added Tax (VAT).) * `disputed_amount_is_value_added_tax_no_credit_receipt_provided` (Disputed amount is Value Added Tax (VAT) but no credit receipt was provided by the cardholder.) * `limited_return_or_cancellation_policy_properly_disclosed` (Limited return or cancellation policy was properly disclosed.) * `merchandise_held_at_cardholder_customs_agency` (Merchandise held at cardholder customs agency.) * `merchandise_matches_description` (Merchandise matches the merchant's description.) * `merchandise_not_counterfeit` (Merchandise is not counterfeit.) * `merchandise_not_damaged` (Merchandise is not damaged.) * `merchandise_not_defective` (Merchandise is not defective.) * `merchandise_provided_prior_to_cancellation_date` (Merchandise was provided prior to the cancellation date.) * `merchandise_quality_matches_description` (Merchandise quality matches the merchant's description.) * `merchandise_return_not_attempted` (Merchandise was not attempted returned to the merchant.) * `merchant_not_notified_of_closed_account` (Merchant was not notified of the closed account.) * `name_on_flight_manifest_matches_purchase` (Name on manifest of departed flight matches name on purchased itinerary.) * `no_credit_receipt_provided` (No credit receipt was provided by the cardholder.) * `other` (Other.) * `processing_error_incorrect` (The claimed processing error did not occur.) * `returned_mechandise_held_at_customs_agency_outside_merchant_country` (Returned merchandise held at customs agency outside the merchant's country.) * `services_match_description` (Services match the merchant's description.) * `services_provided_prior_to_cancellation_date` (Services were provided prior to the cancellation date.) * `services_used_after_cancellation_date` (Services were used after the cancellation date and prior to the dispute submission date.) * `terms_of_service_not_misrepresented` (Terms of service were not misrepresented.) * `transaction_code_correct` (Transaction code is correct.) - `visa.network_events.represented.non_fiat_currency_or_non_fungible_token_as_described` (dictionary, nullable) Non-fiat currency or non-fungible token as described details. Present if and only if `reason` is `non_fiat_currency_or_non_fungible_token_as_described`. - `visa.network_events.represented.non_fiat_currency_or_non_fungible_token_received` (dictionary, nullable) Non-fiat currency or non-fungible token received details. Present if and only if `reason` is `non_fiat_currency_or_non_fungible_token_received`. - `visa.network_events.represented.non_fiat_currency_or_non_fungible_token_received.blockchain_transaction_hash` (string) Blockchain transaction hash. - `visa.network_events.represented.non_fiat_currency_or_non_fungible_token_received.destination_wallet_address` (string) Destination wallet address. - `visa.network_events.represented.non_fiat_currency_or_non_fungible_token_received.prior_approved_transactions` (string, nullable) Prior approved transactions. - `visa.network_events.represented.proof_of_cash_disbursement` (dictionary, nullable) Proof of cash disbursement details. Present if and only if `reason` is `proof_of_cash_disbursement`. - `visa.network_events.represented.proof_of_cash_disbursement.explanation` (string, nullable) Explanation for why the merchant believes the evidence provides proof of cash disbursement. - `visa.network_events.represented.reason` (enum) The reason the merchant re-presented the dispute. Cases: * `cardholder_no_longer_disputes` (Cardholder no longer disputes the transaction.) * `credit_or_reversal_processed` (Credit or reversal was processed.) * `invalid_dispute` (Invalid dispute.) * `non_fiat_currency_or_non_fungible_token_as_described` (Non-fiat currency or non-fungible token is as described by the merchant.) * `non_fiat_currency_or_non_fungible_token_received` (Non-fiat currency or non-fungible token was received by the cardholder.) * `proof_of_cash_disbursement` (Proof of cash disbursement provided.) * `reversal_issued` (Reversal issued by merchant.) - `visa.network_events.represented.reversal_issued` (dictionary, nullable) Reversal issued by merchant details. Present if and only if `reason` is `reversal_issued`. - `visa.network_events.represented.reversal_issued.explanation` (string, nullable) Explanation of the reversal issued by the merchant. - `visa.network_events.representment_timed_out` (dictionary, nullable) A Card Dispute Re-presentment Timed Out Visa Network Event object. This field will be present in the JSON response if and only if `category` is equal to `representment_timed_out`. Contains the details specific to a re-presentment time-out Visa Card Dispute Network Event, which represents that the user did not respond to the re-presentment by the merchant within the time limit. - `visa.network_events.user_prearbitration_accepted` (dictionary, nullable) A Card Dispute User Pre-Arbitration Accepted Visa Network Event object. This field will be present in the JSON response if and only if `category` is equal to `user_prearbitration_accepted`. Contains the details specific to a user prearbitration accepted Visa Card Dispute Network Event, which represents that the merchant has accepted the user's prearbitration request in the user's favor. - `visa.network_events.user_prearbitration_declined` (dictionary, nullable) A Card Dispute User Pre-Arbitration Declined Visa Network Event object. This field will be present in the JSON response if and only if `category` is equal to `user_prearbitration_declined`. Contains the details specific to a user prearbitration declined Visa Card Dispute Network Event, which represents that the merchant has declined the user's prearbitration request. - `visa.network_events.user_prearbitration_submitted` (dictionary, nullable) A Card Dispute User Pre-Arbitration Submitted Visa Network Event object. This field will be present in the JSON response if and only if `category` is equal to `user_prearbitration_submitted`. Contains the details specific to a user prearbitration submitted Visa Card Dispute Network Event, which represents that the user's request for prearbitration has been submitted to the network. - `visa.network_events.user_prearbitration_timed_out` (dictionary, nullable) A Card Dispute User Pre-Arbitration Timed Out Visa Network Event object. This field will be present in the JSON response if and only if `category` is equal to `user_prearbitration_timed_out`. Contains the details specific to a user prearbitration timed out Visa Card Dispute Network Event, which represents that the merchant has timed out responding to the user's prearbitration request. - `visa.network_events.user_withdrawal_submitted` (dictionary, nullable) A Card Dispute User Withdrawal Submitted Visa Network Event object. This field will be present in the JSON response if and only if `category` is equal to `user_withdrawal_submitted`. Contains the details specific to a user withdrawal submitted Visa Card Dispute Network Event, which represents that the user's request to withdraw the dispute has been submitted to the network. - `visa.required_user_submission_category` (enum, nullable) The category of the currently required user submission if the user wishes to proceed with the dispute. Present if and only if status is `user_submission_required`. Otherwise, this will be `nil`. Cases: * `chargeback` (A Chargeback User Submission is required.) * `merchant_prearbitration_decline` (A Merchant Pre Arbitration Decline User Submission is required.) * `user_prearbitration` (A User Initiated Pre Arbitration User Submission is required.) - `visa.user_submissions` (array of objects) The user submissions for the Card Dispute. - `visa.user_submissions.accepted_at` (string, nullable) The date and time at which the Visa Card Dispute User Submission was reviewed and accepted. - `visa.user_submissions.amount` (integer, nullable) The amount of the dispute if it is different from the amount of a prior user submission or the disputed transaction. - `visa.user_submissions.attachment_files` (array of objects) The files attached to the Visa Card Dispute User Submission. - `visa.user_submissions.attachment_files.file_id` (string) The ID of the file attached to the Card Dispute. - `visa.user_submissions.category` (enum) The category of the user submission. We may add additional possible values for this enum over time; your application should be able to handle such additions gracefully. Cases: * `chargeback` (Visa Card Dispute Chargeback User Submission Chargeback Details: details will be under the `chargeback` object.) * `merchant_prearbitration_decline` (Visa Card Dispute Merchant Pre-Arbitration Decline User Submission: details will be under the `merchant_prearbitration_decline` object.) * `user_prearbitration` (Visa Card Dispute User-Initiated Pre-Arbitration User Submission: details will be under the `user_prearbitration` object.) - `visa.user_submissions.chargeback` (dictionary, nullable) A Visa Card Dispute Chargeback User Submission Chargeback Details object. This field will be present in the JSON response if and only if `category` is equal to `chargeback`. Contains the details specific to a Visa chargeback User Submission for a Card Dispute. - `visa.user_submissions.chargeback.authorization` (dictionary, nullable) Authorization. Present if and only if `category` is `authorization`. - `visa.user_submissions.chargeback.authorization.account_status` (enum) Account status. Cases: * `account_closed` (Account closed.) * `credit_problem` (Credit problem.) * `fraud` (Fraud.) - `visa.user_submissions.chargeback.category` (enum) Category. Cases: * `authorization` (Authorization.) * `consumer_canceled_merchandise` (Consumer: canceled merchandise.) * `consumer_canceled_recurring_transaction` (Consumer: canceled recurring transaction.) * `consumer_canceled_services` (Consumer: canceled services.) * `consumer_counterfeit_merchandise` (Consumer: counterfeit merchandise.) * `consumer_credit_not_processed` (Consumer: credit not processed.) * `consumer_damaged_or_defective_merchandise` (Consumer: damaged or defective merchandise.) * `consumer_merchandise_misrepresentation` (Consumer: merchandise misrepresentation.) * `consumer_merchandise_not_as_described` (Consumer: merchandise not as described.) * `consumer_merchandise_not_received` (Consumer: merchandise not received.) * `consumer_non_receipt_of_cash` (Consumer: non-receipt of cash.) * `consumer_original_credit_transaction_not_accepted` (Consumer: Original Credit Transaction (OCT) not accepted.) * `consumer_quality_merchandise` (Consumer: merchandise quality issue.) * `consumer_quality_services` (Consumer: services quality issue.) * `consumer_services_misrepresentation` (Consumer: services misrepresentation.) * `consumer_services_not_as_described` (Consumer: services not as described.) * `consumer_services_not_received` (Consumer: services not received.) * `fraud` (Fraud.) * `processing_error` (Processing error.) - `visa.user_submissions.chargeback.consumer_canceled_merchandise` (dictionary, nullable) Canceled merchandise. Present if and only if `category` is `consumer_canceled_merchandise`. - `visa.user_submissions.chargeback.consumer_canceled_merchandise.cardholder_cancellation` (dictionary, nullable) Cardholder cancellation. - `visa.user_submissions.chargeback.consumer_canceled_merchandise.cardholder_cancellation.canceled_at` (string) Canceled at. - `visa.user_submissions.chargeback.consumer_canceled_merchandise.cardholder_cancellation.canceled_prior_to_ship_date` (enum) Canceled prior to ship date. Cases: * `canceled_prior_to_ship_date` (Canceled prior to ship date.) * `not_canceled_prior_to_ship_date` (Not canceled prior to ship date.) - `visa.user_submissions.chargeback.consumer_canceled_merchandise.cardholder_cancellation.cancellation_policy_provided` (enum) Cancellation policy provided. Cases: * `not_provided` (Not provided.) * `provided` (Provided.) - `visa.user_submissions.chargeback.consumer_canceled_merchandise.cardholder_cancellation.reason` (string) Reason. - `visa.user_submissions.chargeback.consumer_canceled_merchandise.merchant_resolution_attempted` (enum) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.user_submissions.chargeback.consumer_canceled_merchandise.not_returned` (dictionary, nullable) Not returned. Present if and only if `return_outcome` is `not_returned`. - `visa.user_submissions.chargeback.consumer_canceled_merchandise.purchase_explanation` (string) Purchase explanation. - `visa.user_submissions.chargeback.consumer_canceled_merchandise.received_or_expected_at` (string) Received or expected at. - `visa.user_submissions.chargeback.consumer_canceled_merchandise.return_attempted` (dictionary, nullable) Return attempted. Present if and only if `return_outcome` is `return_attempted`. - `visa.user_submissions.chargeback.consumer_canceled_merchandise.return_attempted.attempt_explanation` (string) Attempt explanation. - `visa.user_submissions.chargeback.consumer_canceled_merchandise.return_attempted.attempt_reason` (enum) Attempt reason. Cases: * `merchant_not_responding` (Merchant not responding.) * `no_return_authorization_provided` (No return authorization provided.) * `no_return_instructions` (No return instructions.) * `requested_not_to_return` (Requested not to return.) * `return_not_accepted` (Return not accepted.) - `visa.user_submissions.chargeback.consumer_canceled_merchandise.return_attempted.attempted_at` (string) Attempted at. - `visa.user_submissions.chargeback.consumer_canceled_merchandise.return_attempted.merchandise_disposition` (string) Merchandise disposition. - `visa.user_submissions.chargeback.consumer_canceled_merchandise.return_outcome` (enum) Return outcome. Cases: * `not_returned` (Not returned.) * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.user_submissions.chargeback.consumer_canceled_merchandise.returned` (dictionary, nullable) Returned. Present if and only if `return_outcome` is `returned`. - `visa.user_submissions.chargeback.consumer_canceled_merchandise.returned.merchant_received_return_at` (string, nullable) Merchant received return at. - `visa.user_submissions.chargeback.consumer_canceled_merchandise.returned.other_explanation` (string, nullable) Other explanation. Required if and only if the return method is `other`. - `visa.user_submissions.chargeback.consumer_canceled_merchandise.returned.return_method` (enum) Return method. Cases: * `dhl` (DHL.) * `face_to_face` (Face-to-face.) * `fedex` (FedEx.) * `other` (Other.) * `postal_service` (Postal service.) * `ups` (UPS.) - `visa.user_submissions.chargeback.consumer_canceled_merchandise.returned.returned_at` (string) Returned at. - `visa.user_submissions.chargeback.consumer_canceled_merchandise.returned.tracking_number` (string, nullable) Tracking number. - `visa.user_submissions.chargeback.consumer_canceled_recurring_transaction` (dictionary, nullable) Canceled recurring transaction. Present if and only if `category` is `consumer_canceled_recurring_transaction`. - `visa.user_submissions.chargeback.consumer_canceled_recurring_transaction.cancellation_target` (enum) Cancellation target. Cases: * `account` (Account.) * `transaction` (Transaction.) - `visa.user_submissions.chargeback.consumer_canceled_recurring_transaction.merchant_contact_methods` (dictionary) Merchant contact methods. - `visa.user_submissions.chargeback.consumer_canceled_recurring_transaction.merchant_contact_methods.application_name` (string, nullable) Application name. - `visa.user_submissions.chargeback.consumer_canceled_recurring_transaction.merchant_contact_methods.call_center_phone_number` (string, nullable) Call center phone number. - `visa.user_submissions.chargeback.consumer_canceled_recurring_transaction.merchant_contact_methods.email_address` (string, nullable) Email address. - `visa.user_submissions.chargeback.consumer_canceled_recurring_transaction.merchant_contact_methods.in_person_address` (string, nullable) In person address. - `visa.user_submissions.chargeback.consumer_canceled_recurring_transaction.merchant_contact_methods.mailing_address` (string, nullable) Mailing address. - `visa.user_submissions.chargeback.consumer_canceled_recurring_transaction.merchant_contact_methods.text_phone_number` (string, nullable) Text phone number. - `visa.user_submissions.chargeback.consumer_canceled_recurring_transaction.other_form_of_payment_explanation` (string, nullable) Other form of payment explanation. - `visa.user_submissions.chargeback.consumer_canceled_recurring_transaction.transaction_or_account_canceled_at` (string) Transaction or account canceled at. - `visa.user_submissions.chargeback.consumer_canceled_services` (dictionary, nullable) Canceled services. Present if and only if `category` is `consumer_canceled_services`. - `visa.user_submissions.chargeback.consumer_canceled_services.cardholder_cancellation` (dictionary) Cardholder cancellation. - `visa.user_submissions.chargeback.consumer_canceled_services.cardholder_cancellation.canceled_at` (string) Canceled at. - `visa.user_submissions.chargeback.consumer_canceled_services.cardholder_cancellation.cancellation_policy_provided` (enum) Cancellation policy provided. Cases: * `not_provided` (Not provided.) * `provided` (Provided.) - `visa.user_submissions.chargeback.consumer_canceled_services.cardholder_cancellation.reason` (string) Reason. - `visa.user_submissions.chargeback.consumer_canceled_services.contracted_at` (string) Contracted at. - `visa.user_submissions.chargeback.consumer_canceled_services.guaranteed_reservation` (dictionary, nullable) Guaranteed reservation explanation. Present if and only if `service_type` is `guaranteed_reservation`. - `visa.user_submissions.chargeback.consumer_canceled_services.guaranteed_reservation.explanation` (enum) Explanation. Cases: * `cardholder_canceled_prior_to_service` (Cardholder canceled prior to service.) * `cardholder_cancellation_attempt_within_24_hours_of_confirmation` (Cardholder cancellation attempt within 24 hours of confirmation.) * `merchant_billed_no_show` (Merchant billed for no-show.) - `visa.user_submissions.chargeback.consumer_canceled_services.merchant_resolution_attempted` (enum) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.user_submissions.chargeback.consumer_canceled_services.other` (dictionary, nullable) Other service type explanation. Present if and only if `service_type` is `other`. - `visa.user_submissions.chargeback.consumer_canceled_services.purchase_explanation` (string) Purchase explanation. - `visa.user_submissions.chargeback.consumer_canceled_services.service_type` (enum) Service type. Cases: * `guaranteed_reservation` (Guaranteed reservation.) * `other` (Other.) * `timeshare` (Timeshare.) - `visa.user_submissions.chargeback.consumer_canceled_services.timeshare` (dictionary, nullable) Timeshare explanation. Present if and only if `service_type` is `timeshare`. - `visa.user_submissions.chargeback.consumer_counterfeit_merchandise` (dictionary, nullable) Counterfeit merchandise. Present if and only if `category` is `consumer_counterfeit_merchandise`. - `visa.user_submissions.chargeback.consumer_counterfeit_merchandise.counterfeit_explanation` (string) Counterfeit explanation. - `visa.user_submissions.chargeback.consumer_counterfeit_merchandise.disposition_explanation` (string) Disposition explanation. - `visa.user_submissions.chargeback.consumer_counterfeit_merchandise.order_explanation` (string) Order explanation. - `visa.user_submissions.chargeback.consumer_counterfeit_merchandise.received_at` (string) Received at. - `visa.user_submissions.chargeback.consumer_credit_not_processed` (dictionary, nullable) Credit not processed. Present if and only if `category` is `consumer_credit_not_processed`. - `visa.user_submissions.chargeback.consumer_credit_not_processed.canceled_or_returned_at` (string, nullable) Canceled or returned at. - `visa.user_submissions.chargeback.consumer_credit_not_processed.credit_expected_at` (string, nullable) Credit expected at. - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise` (dictionary, nullable) Damaged or defective merchandise. Present if and only if `category` is `consumer_damaged_or_defective_merchandise`. - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.merchant_resolution_attempted` (enum) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.not_returned` (dictionary, nullable) Not returned. Present if and only if `return_outcome` is `not_returned`. - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.order_and_issue_explanation` (string) Order and issue explanation. - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.received_at` (string) Received at. - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.return_attempted` (dictionary, nullable) Return attempted. Present if and only if `return_outcome` is `return_attempted`. - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.return_attempted.attempt_explanation` (string) Attempt explanation. - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.return_attempted.attempt_reason` (enum) Attempt reason. Cases: * `merchant_not_responding` (Merchant not responding.) * `no_return_authorization_provided` (No return authorization provided.) * `no_return_instructions` (No return instructions.) * `requested_not_to_return` (Requested not to return.) * `return_not_accepted` (Return not accepted.) - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.return_attempted.attempted_at` (string) Attempted at. - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.return_attempted.merchandise_disposition` (string) Merchandise disposition. - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.return_outcome` (enum) Return outcome. Cases: * `not_returned` (Not returned.) * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.returned` (dictionary, nullable) Returned. Present if and only if `return_outcome` is `returned`. - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.returned.merchant_received_return_at` (string, nullable) Merchant received return at. - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.returned.other_explanation` (string, nullable) Other explanation. Required if and only if the return method is `other`. - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.returned.return_method` (enum) Return method. Cases: * `dhl` (DHL.) * `face_to_face` (Face-to-face.) * `fedex` (FedEx.) * `other` (Other.) * `postal_service` (Postal service.) * `ups` (UPS.) - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.returned.returned_at` (string) Returned at. - `visa.user_submissions.chargeback.consumer_damaged_or_defective_merchandise.returned.tracking_number` (string, nullable) Tracking number. - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation` (dictionary, nullable) Merchandise misrepresentation. Present if and only if `category` is `consumer_merchandise_misrepresentation`. - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.merchant_resolution_attempted` (enum) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.misrepresentation_explanation` (string) Misrepresentation explanation. - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.not_returned` (dictionary, nullable) Not returned. Present if and only if `return_outcome` is `not_returned`. - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.purchase_explanation` (string) Purchase explanation. - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.received_at` (string) Received at. - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.return_attempted` (dictionary, nullable) Return attempted. Present if and only if `return_outcome` is `return_attempted`. - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.return_attempted.attempt_explanation` (string) Attempt explanation. - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.return_attempted.attempt_reason` (enum) Attempt reason. Cases: * `merchant_not_responding` (Merchant not responding.) * `no_return_authorization_provided` (No return authorization provided.) * `no_return_instructions` (No return instructions.) * `requested_not_to_return` (Requested not to return.) * `return_not_accepted` (Return not accepted.) - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.return_attempted.attempted_at` (string) Attempted at. - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.return_attempted.merchandise_disposition` (string) Merchandise disposition. - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.return_outcome` (enum) Return outcome. Cases: * `not_returned` (Not returned.) * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.returned` (dictionary, nullable) Returned. Present if and only if `return_outcome` is `returned`. - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.returned.merchant_received_return_at` (string, nullable) Merchant received return at. - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.returned.other_explanation` (string, nullable) Other explanation. Required if and only if the return method is `other`. - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.returned.return_method` (enum) Return method. Cases: * `dhl` (DHL.) * `face_to_face` (Face-to-face.) * `fedex` (FedEx.) * `other` (Other.) * `postal_service` (Postal service.) * `ups` (UPS.) - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.returned.returned_at` (string) Returned at. - `visa.user_submissions.chargeback.consumer_merchandise_misrepresentation.returned.tracking_number` (string, nullable) Tracking number. - `visa.user_submissions.chargeback.consumer_merchandise_not_as_described` (dictionary, nullable) Merchandise not as described. Present if and only if `category` is `consumer_merchandise_not_as_described`. - `visa.user_submissions.chargeback.consumer_merchandise_not_as_described.merchant_resolution_attempted` (enum) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.user_submissions.chargeback.consumer_merchandise_not_as_described.received_at` (string) Received at. - `visa.user_submissions.chargeback.consumer_merchandise_not_as_described.return_attempted` (dictionary, nullable) Return attempted. Present if and only if `return_outcome` is `return_attempted`. - `visa.user_submissions.chargeback.consumer_merchandise_not_as_described.return_attempted.attempt_explanation` (string) Attempt explanation. - `visa.user_submissions.chargeback.consumer_merchandise_not_as_described.return_attempted.attempt_reason` (enum) Attempt reason. Cases: * `merchant_not_responding` (Merchant not responding.) * `no_return_authorization_provided` (No return authorization provided.) * `no_return_instructions` (No return instructions.) * `requested_not_to_return` (Requested not to return.) * `return_not_accepted` (Return not accepted.) - `visa.user_submissions.chargeback.consumer_merchandise_not_as_described.return_attempted.attempted_at` (string) Attempted at. - `visa.user_submissions.chargeback.consumer_merchandise_not_as_described.return_attempted.merchandise_disposition` (string) Merchandise disposition. - `visa.user_submissions.chargeback.consumer_merchandise_not_as_described.return_outcome` (enum) Return outcome. Cases: * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.user_submissions.chargeback.consumer_merchandise_not_as_described.returned` (dictionary, nullable) Returned. Present if and only if `return_outcome` is `returned`. - `visa.user_submissions.chargeback.consumer_merchandise_not_as_described.returned.merchant_received_return_at` (string, nullable) Merchant received return at. - `visa.user_submissions.chargeback.consumer_merchandise_not_as_described.returned.other_explanation` (string, nullable) Other explanation. Required if and only if the return method is `other`. - `visa.user_submissions.chargeback.consumer_merchandise_not_as_described.returned.return_method` (enum) Return method. Cases: * `dhl` (DHL.) * `face_to_face` (Face-to-face.) * `fedex` (FedEx.) * `other` (Other.) * `postal_service` (Postal service.) * `ups` (UPS.) - `visa.user_submissions.chargeback.consumer_merchandise_not_as_described.returned.returned_at` (string) Returned at. - `visa.user_submissions.chargeback.consumer_merchandise_not_as_described.returned.tracking_number` (string, nullable) Tracking number. - `visa.user_submissions.chargeback.consumer_merchandise_not_received` (dictionary, nullable) Merchandise not received. Present if and only if `category` is `consumer_merchandise_not_received`. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.cancellation_outcome` (enum) Cancellation outcome. Cases: * `cardholder_cancellation_prior_to_expected_receipt` (Cardholder cancellation prior to expected receipt.) * `merchant_cancellation` (Merchant cancellation.) * `no_cancellation` (No cancellation.) - `visa.user_submissions.chargeback.consumer_merchandise_not_received.cardholder_cancellation_prior_to_expected_receipt` (dictionary, nullable) Cardholder cancellation prior to expected receipt. Present if and only if `cancellation_outcome` is `cardholder_cancellation_prior_to_expected_receipt`. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.cardholder_cancellation_prior_to_expected_receipt.canceled_at` (string) Canceled at. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.cardholder_cancellation_prior_to_expected_receipt.reason` (string, nullable) Reason. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.delayed` (dictionary, nullable) Delayed. Present if and only if `delivery_issue` is `delayed`. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.delayed.explanation` (string) Explanation. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.delayed.not_returned` (dictionary, nullable) Not returned. Present if and only if `return_outcome` is `not_returned`. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.delayed.return_attempted` (dictionary, nullable) Return attempted. Present if and only if `return_outcome` is `return_attempted`. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.delayed.return_attempted.attempted_at` (string) Attempted at. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.delayed.return_outcome` (enum) Return outcome. Cases: * `not_returned` (Not returned.) * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.user_submissions.chargeback.consumer_merchandise_not_received.delayed.returned` (dictionary, nullable) Returned. Present if and only if `return_outcome` is `returned`. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.delayed.returned.merchant_received_return_at` (string) Merchant received return at. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.delayed.returned.returned_at` (string) Returned at. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.delivered_to_wrong_location` (dictionary, nullable) Delivered to wrong location. Present if and only if `delivery_issue` is `delivered_to_wrong_location`. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.delivered_to_wrong_location.agreed_location` (string) Agreed location. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.delivery_issue` (enum) Delivery issue. Cases: * `delayed` (Delayed.) * `delivered_to_wrong_location` (Delivered to wrong location.) - `visa.user_submissions.chargeback.consumer_merchandise_not_received.last_expected_receipt_at` (string) Last expected receipt at. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.merchant_cancellation` (dictionary, nullable) Merchant cancellation. Present if and only if `cancellation_outcome` is `merchant_cancellation`. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.merchant_cancellation.canceled_at` (string) Canceled at. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.merchant_resolution_attempted` (enum) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.user_submissions.chargeback.consumer_merchandise_not_received.no_cancellation` (dictionary, nullable) No cancellation. Present if and only if `cancellation_outcome` is `no_cancellation`. - `visa.user_submissions.chargeback.consumer_merchandise_not_received.purchase_info_and_explanation` (string) Purchase information and explanation. - `visa.user_submissions.chargeback.consumer_non_receipt_of_cash` (dictionary, nullable) Non-receipt of cash. Present if and only if `category` is `consumer_non_receipt_of_cash`. - `visa.user_submissions.chargeback.consumer_original_credit_transaction_not_accepted` (dictionary, nullable) Original Credit Transaction (OCT) not accepted. Present if and only if `category` is `consumer_original_credit_transaction_not_accepted`. - `visa.user_submissions.chargeback.consumer_original_credit_transaction_not_accepted.explanation` (string) Explanation. - `visa.user_submissions.chargeback.consumer_original_credit_transaction_not_accepted.reason` (enum) Reason. Cases: * `prohibited_by_local_laws_or_regulation` (Prohibited by local laws or regulation.) * `recipient_refused` (Recipient refused.) - `visa.user_submissions.chargeback.consumer_quality_merchandise` (dictionary, nullable) Merchandise quality issue. Present if and only if `category` is `consumer_quality_merchandise`. - `visa.user_submissions.chargeback.consumer_quality_merchandise.expected_at` (string) Expected at. - `visa.user_submissions.chargeback.consumer_quality_merchandise.merchant_resolution_attempted` (enum) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.user_submissions.chargeback.consumer_quality_merchandise.not_returned` (dictionary, nullable) Not returned. Present if and only if `return_outcome` is `not_returned`. - `visa.user_submissions.chargeback.consumer_quality_merchandise.ongoing_negotiations` (dictionary, nullable) Ongoing negotiations. Exclude if there is no evidence of ongoing negotiations. - `visa.user_submissions.chargeback.consumer_quality_merchandise.ongoing_negotiations.explanation` (string) Explanation of the previous ongoing negotiations between the cardholder and merchant. - `visa.user_submissions.chargeback.consumer_quality_merchandise.ongoing_negotiations.issuer_first_notified_at` (string) Date the cardholder first notified the issuer of the dispute. - `visa.user_submissions.chargeback.consumer_quality_merchandise.ongoing_negotiations.started_at` (string) Started at. - `visa.user_submissions.chargeback.consumer_quality_merchandise.purchase_info_and_quality_issue` (string) Purchase information and quality issue. - `visa.user_submissions.chargeback.consumer_quality_merchandise.received_at` (string) Received at. - `visa.user_submissions.chargeback.consumer_quality_merchandise.return_attempted` (dictionary, nullable) Return attempted. Present if and only if `return_outcome` is `return_attempted`. - `visa.user_submissions.chargeback.consumer_quality_merchandise.return_attempted.attempt_explanation` (string) Attempt explanation. - `visa.user_submissions.chargeback.consumer_quality_merchandise.return_attempted.attempt_reason` (enum) Attempt reason. Cases: * `merchant_not_responding` (Merchant not responding.) * `no_return_authorization_provided` (No return authorization provided.) * `no_return_instructions` (No return instructions.) * `requested_not_to_return` (Requested not to return.) * `return_not_accepted` (Return not accepted.) - `visa.user_submissions.chargeback.consumer_quality_merchandise.return_attempted.attempted_at` (string) Attempted at. - `visa.user_submissions.chargeback.consumer_quality_merchandise.return_attempted.merchandise_disposition` (string) Merchandise disposition. - `visa.user_submissions.chargeback.consumer_quality_merchandise.return_outcome` (enum) Return outcome. Cases: * `not_returned` (Not returned.) * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.user_submissions.chargeback.consumer_quality_merchandise.returned` (dictionary, nullable) Returned. Present if and only if `return_outcome` is `returned`. - `visa.user_submissions.chargeback.consumer_quality_merchandise.returned.merchant_received_return_at` (string, nullable) Merchant received return at. - `visa.user_submissions.chargeback.consumer_quality_merchandise.returned.other_explanation` (string, nullable) Other explanation. Required if and only if the return method is `other`. - `visa.user_submissions.chargeback.consumer_quality_merchandise.returned.return_method` (enum) Return method. Cases: * `dhl` (DHL.) * `face_to_face` (Face-to-face.) * `fedex` (FedEx.) * `other` (Other.) * `postal_service` (Postal service.) * `ups` (UPS.) - `visa.user_submissions.chargeback.consumer_quality_merchandise.returned.returned_at` (string) Returned at. - `visa.user_submissions.chargeback.consumer_quality_merchandise.returned.tracking_number` (string, nullable) Tracking number. - `visa.user_submissions.chargeback.consumer_quality_services` (dictionary, nullable) Services quality issue. Present if and only if `category` is `consumer_quality_services`. - `visa.user_submissions.chargeback.consumer_quality_services.cardholder_cancellation` (dictionary) Cardholder cancellation. - `visa.user_submissions.chargeback.consumer_quality_services.cardholder_cancellation.accepted_by_merchant` (enum) Accepted by merchant. Cases: * `accepted` (Accepted.) * `not_accepted` (Not accepted.) - `visa.user_submissions.chargeback.consumer_quality_services.cardholder_cancellation.canceled_at` (string) Canceled at. - `visa.user_submissions.chargeback.consumer_quality_services.cardholder_cancellation.reason` (string) Reason. - `visa.user_submissions.chargeback.consumer_quality_services.cardholder_paid_to_have_work_redone` (enum, nullable) Cardholder paid to have work redone. Cases: * `did_not_pay_to_have_work_redone` (Cardholder did not pay to have work redone.) * `paid_to_have_work_redone` (Cardholder paid to have work redone.) - `visa.user_submissions.chargeback.consumer_quality_services.non_fiat_currency_or_non_fungible_token_related_and_not_matching_description` (enum) Non-fiat currency or non-fungible token related and not matching description. Cases: * `not_related` (Not related.) * `related` (Related.) - `visa.user_submissions.chargeback.consumer_quality_services.ongoing_negotiations` (dictionary, nullable) Ongoing negotiations. Exclude if there is no evidence of ongoing negotiations. - `visa.user_submissions.chargeback.consumer_quality_services.ongoing_negotiations.explanation` (string) Explanation of the previous ongoing negotiations between the cardholder and merchant. - `visa.user_submissions.chargeback.consumer_quality_services.ongoing_negotiations.issuer_first_notified_at` (string) Date the cardholder first notified the issuer of the dispute. - `visa.user_submissions.chargeback.consumer_quality_services.ongoing_negotiations.started_at` (string) Started at. - `visa.user_submissions.chargeback.consumer_quality_services.purchase_info_and_quality_issue` (string) Purchase information and quality issue. - `visa.user_submissions.chargeback.consumer_quality_services.restaurant_food_related` (enum, nullable) Whether the dispute is related to the quality of food from an eating place or restaurant. Must be provided when Merchant Category Code (MCC) is 5812, 5813 or 5814. Cases: * `not_related` (Not related.) * `related` (Related.) - `visa.user_submissions.chargeback.consumer_quality_services.services_received_at` (string) Services received at. - `visa.user_submissions.chargeback.consumer_services_misrepresentation` (dictionary, nullable) Services misrepresentation. Present if and only if `category` is `consumer_services_misrepresentation`. - `visa.user_submissions.chargeback.consumer_services_misrepresentation.cardholder_cancellation` (dictionary) Cardholder cancellation. - `visa.user_submissions.chargeback.consumer_services_misrepresentation.cardholder_cancellation.accepted_by_merchant` (enum) Accepted by merchant. Cases: * `accepted` (Accepted.) * `not_accepted` (Not accepted.) - `visa.user_submissions.chargeback.consumer_services_misrepresentation.cardholder_cancellation.canceled_at` (string) Canceled at. - `visa.user_submissions.chargeback.consumer_services_misrepresentation.cardholder_cancellation.reason` (string) Reason. - `visa.user_submissions.chargeback.consumer_services_misrepresentation.merchant_resolution_attempted` (enum) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.user_submissions.chargeback.consumer_services_misrepresentation.misrepresentation_explanation` (string) Misrepresentation explanation. - `visa.user_submissions.chargeback.consumer_services_misrepresentation.purchase_explanation` (string) Purchase explanation. - `visa.user_submissions.chargeback.consumer_services_misrepresentation.received_at` (string) Received at. - `visa.user_submissions.chargeback.consumer_services_not_as_described` (dictionary, nullable) Services not as described. Present if and only if `category` is `consumer_services_not_as_described`. - `visa.user_submissions.chargeback.consumer_services_not_as_described.cardholder_cancellation` (dictionary) Cardholder cancellation. - `visa.user_submissions.chargeback.consumer_services_not_as_described.cardholder_cancellation.accepted_by_merchant` (enum) Accepted by merchant. Cases: * `accepted` (Accepted.) * `not_accepted` (Not accepted.) - `visa.user_submissions.chargeback.consumer_services_not_as_described.cardholder_cancellation.canceled_at` (string) Canceled at. - `visa.user_submissions.chargeback.consumer_services_not_as_described.cardholder_cancellation.reason` (string) Reason. - `visa.user_submissions.chargeback.consumer_services_not_as_described.explanation` (string) Explanation of what was ordered and was not as described. - `visa.user_submissions.chargeback.consumer_services_not_as_described.merchant_resolution_attempted` (enum) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.user_submissions.chargeback.consumer_services_not_as_described.received_at` (string) Received at. - `visa.user_submissions.chargeback.consumer_services_not_received` (dictionary, nullable) Services not received. Present if and only if `category` is `consumer_services_not_received`. - `visa.user_submissions.chargeback.consumer_services_not_received.cancellation_outcome` (enum) Cancellation outcome. Cases: * `cardholder_cancellation_prior_to_expected_receipt` (Cardholder cancellation prior to expected receipt.) * `merchant_cancellation` (Merchant cancellation.) * `no_cancellation` (No cancellation.) - `visa.user_submissions.chargeback.consumer_services_not_received.cardholder_cancellation_prior_to_expected_receipt` (dictionary, nullable) Cardholder cancellation prior to expected receipt. Present if and only if `cancellation_outcome` is `cardholder_cancellation_prior_to_expected_receipt`. - `visa.user_submissions.chargeback.consumer_services_not_received.cardholder_cancellation_prior_to_expected_receipt.canceled_at` (string) Canceled at. - `visa.user_submissions.chargeback.consumer_services_not_received.cardholder_cancellation_prior_to_expected_receipt.reason` (string, nullable) Reason. - `visa.user_submissions.chargeback.consumer_services_not_received.last_expected_receipt_at` (string) Last expected receipt at. - `visa.user_submissions.chargeback.consumer_services_not_received.merchant_cancellation` (dictionary, nullable) Merchant cancellation. Present if and only if `cancellation_outcome` is `merchant_cancellation`. - `visa.user_submissions.chargeback.consumer_services_not_received.merchant_cancellation.canceled_at` (string) Canceled at. - `visa.user_submissions.chargeback.consumer_services_not_received.merchant_resolution_attempted` (enum) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.user_submissions.chargeback.consumer_services_not_received.no_cancellation` (dictionary, nullable) No cancellation. Present if and only if `cancellation_outcome` is `no_cancellation`. - `visa.user_submissions.chargeback.consumer_services_not_received.purchase_info_and_explanation` (string) Purchase information and explanation. - `visa.user_submissions.chargeback.fraud` (dictionary, nullable) Fraud. Present if and only if `category` is `fraud`. - `visa.user_submissions.chargeback.fraud.fraud_type` (enum) Fraud type. Cases: * `account_or_credentials_takeover` (Account or credentials takeover.) * `card_not_received_as_issued` (Card not received as issued.) * `fraudulent_application` (Fraudulent application.) * `fraudulent_use_of_account_number` (Fraudulent use of account number.) * `incorrect_processing` (Incorrect processing.) * `issuer_reported_counterfeit` (Issuer reported counterfeit.) * `lost` (Lost.) * `manipulation_of_account_holder` (Manipulation of account holder.) * `merchant_misrepresentation` (Merchant misrepresentation.) * `miscellaneous` (Miscellaneous.) * `stolen` (Stolen.) - `visa.user_submissions.chargeback.processing_error` (dictionary, nullable) Processing error. Present if and only if `category` is `processing_error`. - `visa.user_submissions.chargeback.processing_error.duplicate_transaction` (dictionary, nullable) Duplicate transaction. Present if and only if `error_reason` is `duplicate_transaction`. - `visa.user_submissions.chargeback.processing_error.duplicate_transaction.other_transaction_id` (string) Other transaction ID. - `visa.user_submissions.chargeback.processing_error.error_reason` (enum) Error reason. Cases: * `duplicate_transaction` (Duplicate transaction.) * `incorrect_amount` (Incorrect amount.) * `paid_by_other_means` (Paid by other means.) - `visa.user_submissions.chargeback.processing_error.incorrect_amount` (dictionary, nullable) Incorrect amount. Present if and only if `error_reason` is `incorrect_amount`. - `visa.user_submissions.chargeback.processing_error.incorrect_amount.expected_amount` (integer) Expected amount. - `visa.user_submissions.chargeback.processing_error.merchant_resolution_attempted` (enum) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.user_submissions.chargeback.processing_error.paid_by_other_means` (dictionary, nullable) Paid by other means. Present if and only if `error_reason` is `paid_by_other_means`. - `visa.user_submissions.chargeback.processing_error.paid_by_other_means.other_form_of_payment_evidence` (enum) Other form of payment evidence. Cases: * `canceled_check` (Canceled check.) * `card_transaction` (Card transaction.) * `cash_receipt` (Cash receipt.) * `other` (Other.) * `statement` (Statement.) * `voucher` (Voucher.) - `visa.user_submissions.chargeback.processing_error.paid_by_other_means.other_transaction_id` (string, nullable) Other transaction ID. - `visa.user_submissions.created_at` (string) The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the Visa Card Dispute User Submission was created. - `visa.user_submissions.explanation` (string, nullable) The free-form explanation provided to Increase to provide more context for the user submission. This field is not sent directly to the card networks. - `visa.user_submissions.further_information_requested_at` (string, nullable) The date and time at which Increase requested further information from the user for the Visa Card Dispute. - `visa.user_submissions.further_information_requested_reason` (string, nullable) The reason for Increase requesting further information from the user for the Visa Card Dispute. - `visa.user_submissions.merchant_prearbitration_decline` (dictionary, nullable) A Visa Card Dispute Merchant Pre-Arbitration Decline User Submission object. This field will be present in the JSON response if and only if `category` is equal to `merchant_prearbitration_decline`. Contains the details specific to a merchant prearbitration decline Visa Card Dispute User Submission. - `visa.user_submissions.merchant_prearbitration_decline.reason` (string) The reason the user declined the merchant's request for pre-arbitration in their favor. - `visa.user_submissions.status` (enum) The status of the Visa Card Dispute User Submission. Cases: * `abandoned` (The User Submission was abandoned.) * `accepted` (The User Submission was accepted.) * `further_information_requested` (Further information is requested, please resubmit with the requested information.) * `pending_reviewing` (The User Submission is pending review.) - `visa.user_submissions.updated_at` (string) The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the Visa Card Dispute User Submission was updated. - `visa.user_submissions.user_prearbitration` (dictionary, nullable) A Visa Card Dispute User-Initiated Pre-Arbitration User Submission object. This field will be present in the JSON response if and only if `category` is equal to `user_prearbitration`. Contains the details specific to a user-initiated pre-arbitration Visa Card Dispute User Submission. - `visa.user_submissions.user_prearbitration.category_change` (dictionary, nullable) Category change details for the pre-arbitration request, if requested. - `visa.user_submissions.user_prearbitration.category_change.category` (enum) The category the dispute is being changed to. Cases: * `authorization` (Authorization.) * `consumer_canceled_merchandise` (Consumer: canceled merchandise.) * `consumer_canceled_recurring_transaction` (Consumer: canceled recurring transaction.) * `consumer_canceled_services` (Consumer: canceled services.) * `consumer_counterfeit_merchandise` (Consumer: counterfeit merchandise.) * `consumer_credit_not_processed` (Consumer: credit not processed.) * `consumer_damaged_or_defective_merchandise` (Consumer: damaged or defective merchandise.) * `consumer_merchandise_misrepresentation` (Consumer: merchandise misrepresentation.) * `consumer_merchandise_not_as_described` (Consumer: merchandise not as described.) * `consumer_merchandise_not_received` (Consumer: merchandise not received.) * `consumer_non_receipt_of_cash` (Consumer: non-receipt of cash.) * `consumer_original_credit_transaction_not_accepted` (Consumer: Original Credit Transaction (OCT) not accepted.) * `consumer_quality_merchandise` (Consumer: merchandise quality issue.) * `consumer_quality_services` (Consumer: services quality issue.) * `consumer_services_misrepresentation` (Consumer: services misrepresentation.) * `consumer_services_not_as_described` (Consumer: services not as described.) * `consumer_services_not_received` (Consumer: services not received.) * `fraud` (Fraud.) * `processing_error` (Processing error.) - `visa.user_submissions.user_prearbitration.category_change.reason` (string) The reason for the pre-arbitration request. - `visa.user_submissions.user_prearbitration.reason` (string) The reason for the pre-arbitration request. - `win` (dictionary, nullable) If the Card Dispute's status is `won`, this will contain details of the won dispute. - `win.won_at` (string) The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the Card Dispute was won. - `withdrawal` (dictionary, nullable) If the Card Dispute has been withdrawn, this will contain details of the withdrawal. - `withdrawal.explanation` (string, nullable) The explanation for the withdrawal of the Card Dispute. ## List Card Disputes GET /card_disputes ### Example ```curl curl \ --url "${INCREASE_URL}/card_disputes" \ -H "Authorization: Bearer ${INCREASE_API_KEY}" ``` ### Query Parameters - `cursor` (string, optional) Return the page of entries after this one. - `limit` (integer, optional) Limit the size of the list that is returned. The default (and maximum) is 100 objects. - `created_at.after` (string, optional) Return results after this [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) timestamp. - `created_at.before` (string, optional) Return results before this [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) timestamp. - `created_at.on_or_after` (string, optional) Return results on or after this [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) timestamp. - `created_at.on_or_before` (string, optional) Return results on or before this [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) timestamp. - `status.in` (array of enums, optional) Filter Card Disputes for those with the specified status or statuses. For GET requests, this should be encoded as a comma-delimited string, such as `?in=one,two,three`. Cases: * `user_submission_required` (A User Submission is required to continue with the Card Dispute.) * `pending_user_submission_reviewing` (The most recent User Submission is being reviewed.) * `pending_user_submission_submitting` (The most recent User Submission is being submitted to the network.) * `pending_user_withdrawal_submitting` (The user's withdrawal of the Card Dispute is being submitted to the network.) * `pending_response` (The Card Dispute is pending a response from the network.) * `lost` (The Card Dispute has been lost and funds previously credited from the acceptance have been debited.) * `won` (The Card Dispute has been won and no further action can be taken.) - `idempotency_key` (string, optional) Filter records to the one with the specified `idempotency_key` you chose for that object. This value is unique across Increase and is used to ensure that a request is only processed once. Learn more about [idempotency](https://increase.com/documentation/idempotency-keys). ### Returns a Card Dispute List object: ```json { "data": [ { "amount": 1000, "card_id": "card_oubs0hwk5rn6knuecxg2", "created_at": "2020-01-31T23:59:59Z", "disputed_transaction_id": "transaction_uyrp7fld2ium70oa7oi", "id": "card_dispute_h9sc95nbl1cgltpp7men", "idempotency_key": null, "loss": null, "network": "visa", "status": "pending_response", "type": "card_dispute", "user_submission_required_by": null, "visa": { "network_events": [], "required_user_submission_category": null, "user_submissions": [ { "accepted_at": null, "amount": 1000, "attachment_files": [], "category": "chargeback", "chargeback": { "authorization": null, "category": "fraud", "consumer_canceled_merchandise": null, "consumer_canceled_recurring_transaction": null, "consumer_canceled_services": null, "consumer_counterfeit_merchandise": null, "consumer_credit_not_processed": null, "consumer_damaged_or_defective_merchandise": null, "consumer_merchandise_misrepresentation": null, "consumer_merchandise_not_as_described": null, "consumer_merchandise_not_received": null, "consumer_non_receipt_of_cash": null, "consumer_original_credit_transaction_not_accepted": null, "consumer_quality_merchandise": null, "consumer_quality_services": null, "consumer_services_misrepresentation": null, "consumer_services_not_as_described": null, "consumer_services_not_received": null, "fraud": { "fraud_type": "lost" }, "processing_error": null }, "created_at": "2020-01-31T23:59:59Z", "explanation": null, "further_information_requested_at": null, "further_information_requested_reason": null, "status": "pending_reviewing", "updated_at": "2020-01-31T23:59:59Z" } ] }, "win": null, "withdrawal": null } ], "next_cursor": "v57w5d" } ``` ## Create a Card Dispute POST /card_disputes ### Example ```curl curl -X "POST" \ --url "${INCREASE_URL}/card_disputes" \ -H "Authorization: Bearer ${INCREASE_API_KEY}" \ -H "Content-Type: application/json" \ -d $'{ "amount": 100, "disputed_transaction_id": "transaction_uyrp7fld2ium70oa7oi", "network": "visa", "visa": { "category": "fraud", "fraud": { "fraud_type": "account_or_credentials_takeover" } } }' ``` ### Body Parameters - `amount` (integer, optional) The monetary amount of the part of the transaction that is being disputed. This is optional and will default to the full amount of the transaction if not provided. If provided, the amount must be less than or equal to the amount of the transaction. - `attachment_files` (array of objects, optional) The files to be attached to the initial dispute submission. - `attachment_files.file_id` (string, required) The ID of the file to be attached. The file must have a `purpose` of `card_dispute_attachment`. - `disputed_transaction_id` (string, required) The Transaction you wish to dispute. This Transaction must have a `source_type` of `card_settlement`. - `explanation` (string, optional) The free-form explanation provided to Increase to provide more context for the user submission. This field is not sent directly to the card networks. - `network` (enum, required) The network of the disputed transaction. Details specific to the network are required under the sub-object with the same identifier as the network. Cases: * `visa` (Visa) - `visa` (dictionary, optional) The Visa-specific parameters for the dispute. Required if and only if `network` is `visa`. - `visa.authorization` (dictionary, optional) Authorization. Required if and only if `category` is `authorization`. - `visa.authorization.account_status` (enum, required) Account status. Cases: * `account_closed` (Account closed.) * `credit_problem` (Credit problem.) * `fraud` (Fraud.) - `visa.category` (enum, required) Category. Cases: * `authorization` (Authorization.) * `consumer_canceled_merchandise` (Consumer: canceled merchandise.) * `consumer_canceled_recurring_transaction` (Consumer: canceled recurring transaction.) * `consumer_canceled_services` (Consumer: canceled services.) * `consumer_counterfeit_merchandise` (Consumer: counterfeit merchandise.) * `consumer_credit_not_processed` (Consumer: credit not processed.) * `consumer_damaged_or_defective_merchandise` (Consumer: damaged or defective merchandise.) * `consumer_merchandise_misrepresentation` (Consumer: merchandise misrepresentation.) * `consumer_merchandise_not_as_described` (Consumer: merchandise not as described.) * `consumer_merchandise_not_received` (Consumer: merchandise not received.) * `consumer_non_receipt_of_cash` (Consumer: non-receipt of cash.) * `consumer_original_credit_transaction_not_accepted` (Consumer: Original Credit Transaction (OCT) not accepted.) * `consumer_quality_merchandise` (Consumer: merchandise quality issue.) * `consumer_quality_services` (Consumer: services quality issue.) * `consumer_services_misrepresentation` (Consumer: services misrepresentation.) * `consumer_services_not_as_described` (Consumer: services not as described.) * `consumer_services_not_received` (Consumer: services not received.) * `fraud` (Fraud.) * `processing_error` (Processing error.) - `visa.consumer_canceled_merchandise` (dictionary, optional) Canceled merchandise. Required if and only if `category` is `consumer_canceled_merchandise`. - `visa.consumer_canceled_merchandise.cardholder_cancellation` (dictionary, optional) Cardholder cancellation. - `visa.consumer_canceled_merchandise.cardholder_cancellation.canceled_at` (string, required) Canceled at. - `visa.consumer_canceled_merchandise.cardholder_cancellation.canceled_prior_to_ship_date` (enum, required) Canceled prior to ship date. Cases: * `canceled_prior_to_ship_date` (Canceled prior to ship date.) * `not_canceled_prior_to_ship_date` (Not canceled prior to ship date.) - `visa.consumer_canceled_merchandise.cardholder_cancellation.cancellation_policy_provided` (enum, required) Cancellation policy provided. Cases: * `not_provided` (Not provided.) * `provided` (Provided.) - `visa.consumer_canceled_merchandise.cardholder_cancellation.reason` (string, required) Reason. - `visa.consumer_canceled_merchandise.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.consumer_canceled_merchandise.not_returned` (dictionary, optional) Not returned. Required if and only if `return_outcome` is `not_returned`. - `visa.consumer_canceled_merchandise.purchase_explanation` (string, required) Purchase explanation. - `visa.consumer_canceled_merchandise.received_or_expected_at` (string, required) Received or expected at. - `visa.consumer_canceled_merchandise.return_attempted` (dictionary, optional) Return attempted. Required if and only if `return_outcome` is `return_attempted`. - `visa.consumer_canceled_merchandise.return_attempted.attempt_explanation` (string, required) Attempt explanation. - `visa.consumer_canceled_merchandise.return_attempted.attempt_reason` (enum, required) Attempt reason. Cases: * `merchant_not_responding` (Merchant not responding.) * `no_return_authorization_provided` (No return authorization provided.) * `no_return_instructions` (No return instructions.) * `requested_not_to_return` (Requested not to return.) * `return_not_accepted` (Return not accepted.) - `visa.consumer_canceled_merchandise.return_attempted.attempted_at` (string, required) Attempted at. - `visa.consumer_canceled_merchandise.return_attempted.merchandise_disposition` (string, required) Merchandise disposition. - `visa.consumer_canceled_merchandise.return_outcome` (enum, required) Return outcome. Cases: * `not_returned` (Not returned.) * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.consumer_canceled_merchandise.returned` (dictionary, optional) Returned. Required if and only if `return_outcome` is `returned`. - `visa.consumer_canceled_merchandise.returned.merchant_received_return_at` (string, optional) Merchant received return at. - `visa.consumer_canceled_merchandise.returned.other_explanation` (string, optional) Other explanation. Required if and only if the return method is `other`. - `visa.consumer_canceled_merchandise.returned.return_method` (enum, required) Return method. Cases: * `dhl` (DHL.) * `face_to_face` (Face-to-face.) * `fedex` (FedEx.) * `other` (Other.) * `postal_service` (Postal service.) * `ups` (UPS.) - `visa.consumer_canceled_merchandise.returned.returned_at` (string, required) Returned at. - `visa.consumer_canceled_merchandise.returned.tracking_number` (string, optional) Tracking number. - `visa.consumer_canceled_recurring_transaction` (dictionary, optional) Canceled recurring transaction. Required if and only if `category` is `consumer_canceled_recurring_transaction`. - `visa.consumer_canceled_recurring_transaction.cancellation_target` (enum, required) Cancellation target. Cases: * `account` (Account.) * `transaction` (Transaction.) - `visa.consumer_canceled_recurring_transaction.merchant_contact_methods` (dictionary, required) Merchant contact methods. - `visa.consumer_canceled_recurring_transaction.merchant_contact_methods.application_name` (string, optional) Application name. - `visa.consumer_canceled_recurring_transaction.merchant_contact_methods.call_center_phone_number` (string, optional) Call center phone number. - `visa.consumer_canceled_recurring_transaction.merchant_contact_methods.email_address` (string, optional) Email address. - `visa.consumer_canceled_recurring_transaction.merchant_contact_methods.in_person_address` (string, optional) In person address. - `visa.consumer_canceled_recurring_transaction.merchant_contact_methods.mailing_address` (string, optional) Mailing address. - `visa.consumer_canceled_recurring_transaction.merchant_contact_methods.text_phone_number` (string, optional) Text phone number. - `visa.consumer_canceled_recurring_transaction.other_form_of_payment_explanation` (string, optional) Other form of payment explanation. - `visa.consumer_canceled_recurring_transaction.transaction_or_account_canceled_at` (string, required) Transaction or account canceled at. - `visa.consumer_canceled_services` (dictionary, optional) Canceled services. Required if and only if `category` is `consumer_canceled_services`. - `visa.consumer_canceled_services.cardholder_cancellation` (dictionary, required) Cardholder cancellation. - `visa.consumer_canceled_services.cardholder_cancellation.canceled_at` (string, required) Canceled at. - `visa.consumer_canceled_services.cardholder_cancellation.cancellation_policy_provided` (enum, required) Cancellation policy provided. Cases: * `not_provided` (Not provided.) * `provided` (Provided.) - `visa.consumer_canceled_services.cardholder_cancellation.reason` (string, required) Reason. - `visa.consumer_canceled_services.contracted_at` (string, required) Contracted at. - `visa.consumer_canceled_services.guaranteed_reservation` (dictionary, optional) Guaranteed reservation explanation. Required if and only if `service_type` is `guaranteed_reservation`. - `visa.consumer_canceled_services.guaranteed_reservation.explanation` (enum, required) Explanation. Cases: * `cardholder_canceled_prior_to_service` (Cardholder canceled prior to service.) * `cardholder_cancellation_attempt_within_24_hours_of_confirmation` (Cardholder cancellation attempt within 24 hours of confirmation.) * `merchant_billed_no_show` (Merchant billed for no-show.) - `visa.consumer_canceled_services.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.consumer_canceled_services.other` (dictionary, optional) Other service type explanation. Required if and only if `service_type` is `other`. - `visa.consumer_canceled_services.purchase_explanation` (string, required) Purchase explanation. - `visa.consumer_canceled_services.service_type` (enum, required) Service type. Cases: * `guaranteed_reservation` (Guaranteed reservation.) * `other` (Other.) * `timeshare` (Timeshare.) - `visa.consumer_canceled_services.timeshare` (dictionary, optional) Timeshare explanation. Required if and only if `service_type` is `timeshare`. - `visa.consumer_counterfeit_merchandise` (dictionary, optional) Counterfeit merchandise. Required if and only if `category` is `consumer_counterfeit_merchandise`. - `visa.consumer_counterfeit_merchandise.counterfeit_explanation` (string, required) Counterfeit explanation. - `visa.consumer_counterfeit_merchandise.disposition_explanation` (string, required) Disposition explanation. - `visa.consumer_counterfeit_merchandise.order_explanation` (string, required) Order explanation. - `visa.consumer_counterfeit_merchandise.received_at` (string, required) Received at. - `visa.consumer_credit_not_processed` (dictionary, optional) Credit not processed. Required if and only if `category` is `consumer_credit_not_processed`. - `visa.consumer_credit_not_processed.canceled_or_returned_at` (string, optional) Canceled or returned at. - `visa.consumer_credit_not_processed.credit_expected_at` (string, optional) Credit expected at. - `visa.consumer_damaged_or_defective_merchandise` (dictionary, optional) Damaged or defective merchandise. Required if and only if `category` is `consumer_damaged_or_defective_merchandise`. - `visa.consumer_damaged_or_defective_merchandise.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.consumer_damaged_or_defective_merchandise.not_returned` (dictionary, optional) Not returned. Required if and only if `return_outcome` is `not_returned`. - `visa.consumer_damaged_or_defective_merchandise.order_and_issue_explanation` (string, required) Order and issue explanation. - `visa.consumer_damaged_or_defective_merchandise.received_at` (string, required) Received at. - `visa.consumer_damaged_or_defective_merchandise.return_attempted` (dictionary, optional) Return attempted. Required if and only if `return_outcome` is `return_attempted`. - `visa.consumer_damaged_or_defective_merchandise.return_attempted.attempt_explanation` (string, required) Attempt explanation. - `visa.consumer_damaged_or_defective_merchandise.return_attempted.attempt_reason` (enum, required) Attempt reason. Cases: * `merchant_not_responding` (Merchant not responding.) * `no_return_authorization_provided` (No return authorization provided.) * `no_return_instructions` (No return instructions.) * `requested_not_to_return` (Requested not to return.) * `return_not_accepted` (Return not accepted.) - `visa.consumer_damaged_or_defective_merchandise.return_attempted.attempted_at` (string, required) Attempted at. - `visa.consumer_damaged_or_defective_merchandise.return_attempted.merchandise_disposition` (string, required) Merchandise disposition. - `visa.consumer_damaged_or_defective_merchandise.return_outcome` (enum, required) Return outcome. Cases: * `not_returned` (Not returned.) * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.consumer_damaged_or_defective_merchandise.returned` (dictionary, optional) Returned. Required if and only if `return_outcome` is `returned`. - `visa.consumer_damaged_or_defective_merchandise.returned.merchant_received_return_at` (string, optional) Merchant received return at. - `visa.consumer_damaged_or_defective_merchandise.returned.other_explanation` (string, optional) Other explanation. Required if and only if the return method is `other`. - `visa.consumer_damaged_or_defective_merchandise.returned.return_method` (enum, required) Return method. Cases: * `dhl` (DHL.) * `face_to_face` (Face-to-face.) * `fedex` (FedEx.) * `other` (Other.) * `postal_service` (Postal service.) * `ups` (UPS.) - `visa.consumer_damaged_or_defective_merchandise.returned.returned_at` (string, required) Returned at. - `visa.consumer_damaged_or_defective_merchandise.returned.tracking_number` (string, optional) Tracking number. - `visa.consumer_merchandise_misrepresentation` (dictionary, optional) Merchandise misrepresentation. Required if and only if `category` is `consumer_merchandise_misrepresentation`. - `visa.consumer_merchandise_misrepresentation.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.consumer_merchandise_misrepresentation.misrepresentation_explanation` (string, required) Misrepresentation explanation. - `visa.consumer_merchandise_misrepresentation.not_returned` (dictionary, optional) Not returned. Required if and only if `return_outcome` is `not_returned`. - `visa.consumer_merchandise_misrepresentation.purchase_explanation` (string, required) Purchase explanation. - `visa.consumer_merchandise_misrepresentation.received_at` (string, required) Received at. - `visa.consumer_merchandise_misrepresentation.return_attempted` (dictionary, optional) Return attempted. Required if and only if `return_outcome` is `return_attempted`. - `visa.consumer_merchandise_misrepresentation.return_attempted.attempt_explanation` (string, required) Attempt explanation. - `visa.consumer_merchandise_misrepresentation.return_attempted.attempt_reason` (enum, required) Attempt reason. Cases: * `merchant_not_responding` (Merchant not responding.) * `no_return_authorization_provided` (No return authorization provided.) * `no_return_instructions` (No return instructions.) * `requested_not_to_return` (Requested not to return.) * `return_not_accepted` (Return not accepted.) - `visa.consumer_merchandise_misrepresentation.return_attempted.attempted_at` (string, required) Attempted at. - `visa.consumer_merchandise_misrepresentation.return_attempted.merchandise_disposition` (string, required) Merchandise disposition. - `visa.consumer_merchandise_misrepresentation.return_outcome` (enum, required) Return outcome. Cases: * `not_returned` (Not returned.) * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.consumer_merchandise_misrepresentation.returned` (dictionary, optional) Returned. Required if and only if `return_outcome` is `returned`. - `visa.consumer_merchandise_misrepresentation.returned.merchant_received_return_at` (string, optional) Merchant received return at. - `visa.consumer_merchandise_misrepresentation.returned.other_explanation` (string, optional) Other explanation. Required if and only if the return method is `other`. - `visa.consumer_merchandise_misrepresentation.returned.return_method` (enum, required) Return method. Cases: * `dhl` (DHL.) * `face_to_face` (Face-to-face.) * `fedex` (FedEx.) * `other` (Other.) * `postal_service` (Postal service.) * `ups` (UPS.) - `visa.consumer_merchandise_misrepresentation.returned.returned_at` (string, required) Returned at. - `visa.consumer_merchandise_misrepresentation.returned.tracking_number` (string, optional) Tracking number. - `visa.consumer_merchandise_not_as_described` (dictionary, optional) Merchandise not as described. Required if and only if `category` is `consumer_merchandise_not_as_described`. - `visa.consumer_merchandise_not_as_described.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.consumer_merchandise_not_as_described.received_at` (string, required) Received at. - `visa.consumer_merchandise_not_as_described.return_attempted` (dictionary, optional) Return attempted. Required if and only if `return_outcome` is `return_attempted`. - `visa.consumer_merchandise_not_as_described.return_attempted.attempt_explanation` (string, required) Attempt explanation. - `visa.consumer_merchandise_not_as_described.return_attempted.attempt_reason` (enum, required) Attempt reason. Cases: * `merchant_not_responding` (Merchant not responding.) * `no_return_authorization_provided` (No return authorization provided.) * `no_return_instructions` (No return instructions.) * `requested_not_to_return` (Requested not to return.) * `return_not_accepted` (Return not accepted.) - `visa.consumer_merchandise_not_as_described.return_attempted.attempted_at` (string, required) Attempted at. - `visa.consumer_merchandise_not_as_described.return_attempted.merchandise_disposition` (string, required) Merchandise disposition. - `visa.consumer_merchandise_not_as_described.return_outcome` (enum, required) Return outcome. Cases: * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.consumer_merchandise_not_as_described.returned` (dictionary, optional) Returned. Required if and only if `return_outcome` is `returned`. - `visa.consumer_merchandise_not_as_described.returned.merchant_received_return_at` (string, optional) Merchant received return at. - `visa.consumer_merchandise_not_as_described.returned.other_explanation` (string, optional) Other explanation. Required if and only if the return method is `other`. - `visa.consumer_merchandise_not_as_described.returned.return_method` (enum, required) Return method. Cases: * `dhl` (DHL.) * `face_to_face` (Face-to-face.) * `fedex` (FedEx.) * `other` (Other.) * `postal_service` (Postal service.) * `ups` (UPS.) - `visa.consumer_merchandise_not_as_described.returned.returned_at` (string, required) Returned at. - `visa.consumer_merchandise_not_as_described.returned.tracking_number` (string, optional) Tracking number. - `visa.consumer_merchandise_not_received` (dictionary, optional) Merchandise not received. Required if and only if `category` is `consumer_merchandise_not_received`. - `visa.consumer_merchandise_not_received.cancellation_outcome` (enum, required) Cancellation outcome. Cases: * `cardholder_cancellation_prior_to_expected_receipt` (Cardholder cancellation prior to expected receipt.) * `merchant_cancellation` (Merchant cancellation.) * `no_cancellation` (No cancellation.) - `visa.consumer_merchandise_not_received.cardholder_cancellation_prior_to_expected_receipt` (dictionary, optional) Cardholder cancellation prior to expected receipt. Required if and only if `cancellation_outcome` is `cardholder_cancellation_prior_to_expected_receipt`. - `visa.consumer_merchandise_not_received.cardholder_cancellation_prior_to_expected_receipt.canceled_at` (string, required) Canceled at. - `visa.consumer_merchandise_not_received.cardholder_cancellation_prior_to_expected_receipt.reason` (string, optional) Reason. - `visa.consumer_merchandise_not_received.delayed` (dictionary, optional) Delayed. Required if and only if `delivery_issue` is `delayed`. - `visa.consumer_merchandise_not_received.delayed.explanation` (string, required) Explanation. - `visa.consumer_merchandise_not_received.delayed.not_returned` (dictionary, optional) Not returned. Required if and only if `return_outcome` is `not_returned`. - `visa.consumer_merchandise_not_received.delayed.return_attempted` (dictionary, optional) Return attempted. Required if and only if `return_outcome` is `return_attempted`. - `visa.consumer_merchandise_not_received.delayed.return_attempted.attempted_at` (string, required) Attempted at. - `visa.consumer_merchandise_not_received.delayed.return_outcome` (enum, required) Return outcome. Cases: * `not_returned` (Not returned.) * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.consumer_merchandise_not_received.delayed.returned` (dictionary, optional) Returned. Required if and only if `return_outcome` is `returned`. - `visa.consumer_merchandise_not_received.delayed.returned.merchant_received_return_at` (string, required) Merchant received return at. - `visa.consumer_merchandise_not_received.delayed.returned.returned_at` (string, required) Returned at. - `visa.consumer_merchandise_not_received.delivered_to_wrong_location` (dictionary, optional) Delivered to wrong location. Required if and only if `delivery_issue` is `delivered_to_wrong_location`. - `visa.consumer_merchandise_not_received.delivered_to_wrong_location.agreed_location` (string, required) Agreed location. - `visa.consumer_merchandise_not_received.delivery_issue` (enum, required) Delivery issue. Cases: * `delayed` (Delayed.) * `delivered_to_wrong_location` (Delivered to wrong location.) - `visa.consumer_merchandise_not_received.last_expected_receipt_at` (string, required) Last expected receipt at. - `visa.consumer_merchandise_not_received.merchant_cancellation` (dictionary, optional) Merchant cancellation. Required if and only if `cancellation_outcome` is `merchant_cancellation`. - `visa.consumer_merchandise_not_received.merchant_cancellation.canceled_at` (string, required) Canceled at. - `visa.consumer_merchandise_not_received.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.consumer_merchandise_not_received.no_cancellation` (dictionary, optional) No cancellation. Required if and only if `cancellation_outcome` is `no_cancellation`. - `visa.consumer_merchandise_not_received.purchase_info_and_explanation` (string, required) Purchase information and explanation. - `visa.consumer_non_receipt_of_cash` (dictionary, optional) Non-receipt of cash. Required if and only if `category` is `consumer_non_receipt_of_cash`. - `visa.consumer_original_credit_transaction_not_accepted` (dictionary, optional) Original Credit Transaction (OCT) not accepted. Required if and only if `category` is `consumer_original_credit_transaction_not_accepted`. - `visa.consumer_original_credit_transaction_not_accepted.explanation` (string, required) Explanation. - `visa.consumer_original_credit_transaction_not_accepted.reason` (enum, required) Reason. Cases: * `prohibited_by_local_laws_or_regulation` (Prohibited by local laws or regulation.) * `recipient_refused` (Recipient refused.) - `visa.consumer_quality_merchandise` (dictionary, optional) Merchandise quality issue. Required if and only if `category` is `consumer_quality_merchandise`. - `visa.consumer_quality_merchandise.expected_at` (string, required) Expected at. - `visa.consumer_quality_merchandise.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.consumer_quality_merchandise.not_returned` (dictionary, optional) Not returned. Required if and only if `return_outcome` is `not_returned`. - `visa.consumer_quality_merchandise.ongoing_negotiations` (dictionary, optional) Ongoing negotiations. Exclude if there is no evidence of ongoing negotiations. - `visa.consumer_quality_merchandise.ongoing_negotiations.explanation` (string, required) Explanation of the previous ongoing negotiations between the cardholder and merchant. - `visa.consumer_quality_merchandise.ongoing_negotiations.issuer_first_notified_at` (string, required) Date the cardholder first notified the issuer of the dispute. - `visa.consumer_quality_merchandise.ongoing_negotiations.started_at` (string, required) Started at. - `visa.consumer_quality_merchandise.purchase_info_and_quality_issue` (string, required) Purchase information and quality issue. - `visa.consumer_quality_merchandise.received_at` (string, required) Received at. - `visa.consumer_quality_merchandise.return_attempted` (dictionary, optional) Return attempted. Required if and only if `return_outcome` is `return_attempted`. - `visa.consumer_quality_merchandise.return_attempted.attempt_explanation` (string, required) Attempt explanation. - `visa.consumer_quality_merchandise.return_attempted.attempt_reason` (enum, required) Attempt reason. Cases: * `merchant_not_responding` (Merchant not responding.) * `no_return_authorization_provided` (No return authorization provided.) * `no_return_instructions` (No return instructions.) * `requested_not_to_return` (Requested not to return.) * `return_not_accepted` (Return not accepted.) - `visa.consumer_quality_merchandise.return_attempted.attempted_at` (string, required) Attempted at. - `visa.consumer_quality_merchandise.return_attempted.merchandise_disposition` (string, required) Merchandise disposition. - `visa.consumer_quality_merchandise.return_outcome` (enum, required) Return outcome. Cases: * `not_returned` (Not returned.) * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.consumer_quality_merchandise.returned` (dictionary, optional) Returned. Required if and only if `return_outcome` is `returned`. - `visa.consumer_quality_merchandise.returned.merchant_received_return_at` (string, optional) Merchant received return at. - `visa.consumer_quality_merchandise.returned.other_explanation` (string, optional) Other explanation. Required if and only if the return method is `other`. - `visa.consumer_quality_merchandise.returned.return_method` (enum, required) Return method. Cases: * `dhl` (DHL.) * `face_to_face` (Face-to-face.) * `fedex` (FedEx.) * `other` (Other.) * `postal_service` (Postal service.) * `ups` (UPS.) - `visa.consumer_quality_merchandise.returned.returned_at` (string, required) Returned at. - `visa.consumer_quality_merchandise.returned.tracking_number` (string, optional) Tracking number. - `visa.consumer_quality_services` (dictionary, optional) Services quality issue. Required if and only if `category` is `consumer_quality_services`. - `visa.consumer_quality_services.cardholder_cancellation` (dictionary, required) Cardholder cancellation. - `visa.consumer_quality_services.cardholder_cancellation.accepted_by_merchant` (enum, required) Accepted by merchant. Cases: * `accepted` (Accepted.) * `not_accepted` (Not accepted.) - `visa.consumer_quality_services.cardholder_cancellation.canceled_at` (string, required) Canceled at. - `visa.consumer_quality_services.cardholder_cancellation.reason` (string, required) Reason. - `visa.consumer_quality_services.cardholder_paid_to_have_work_redone` (enum, optional) Cardholder paid to have work redone. Cases: * `did_not_pay_to_have_work_redone` (Cardholder did not pay to have work redone.) * `paid_to_have_work_redone` (Cardholder paid to have work redone.) - `visa.consumer_quality_services.non_fiat_currency_or_non_fungible_token_related_and_not_matching_description` (enum, required) Non-fiat currency or non-fungible token related and not matching description. Cases: * `not_related` (Not related.) * `related` (Related.) - `visa.consumer_quality_services.ongoing_negotiations` (dictionary, optional) Ongoing negotiations. Exclude if there is no evidence of ongoing negotiations. - `visa.consumer_quality_services.ongoing_negotiations.explanation` (string, required) Explanation of the previous ongoing negotiations between the cardholder and merchant. - `visa.consumer_quality_services.ongoing_negotiations.issuer_first_notified_at` (string, required) Date the cardholder first notified the issuer of the dispute. - `visa.consumer_quality_services.ongoing_negotiations.started_at` (string, required) Started at. - `visa.consumer_quality_services.purchase_info_and_quality_issue` (string, required) Purchase information and quality issue. - `visa.consumer_quality_services.restaurant_food_related` (enum, optional) Whether the dispute is related to the quality of food from an eating place or restaurant. Must be provided when Merchant Category Code (MCC) is 5812, 5813 or 5814. Cases: * `not_related` (Not related.) * `related` (Related.) - `visa.consumer_quality_services.services_received_at` (string, required) Services received at. - `visa.consumer_services_misrepresentation` (dictionary, optional) Services misrepresentation. Required if and only if `category` is `consumer_services_misrepresentation`. - `visa.consumer_services_misrepresentation.cardholder_cancellation` (dictionary, required) Cardholder cancellation. - `visa.consumer_services_misrepresentation.cardholder_cancellation.accepted_by_merchant` (enum, required) Accepted by merchant. Cases: * `accepted` (Accepted.) * `not_accepted` (Not accepted.) - `visa.consumer_services_misrepresentation.cardholder_cancellation.canceled_at` (string, required) Canceled at. - `visa.consumer_services_misrepresentation.cardholder_cancellation.reason` (string, required) Reason. - `visa.consumer_services_misrepresentation.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.consumer_services_misrepresentation.misrepresentation_explanation` (string, required) Misrepresentation explanation. - `visa.consumer_services_misrepresentation.purchase_explanation` (string, required) Purchase explanation. - `visa.consumer_services_misrepresentation.received_at` (string, required) Received at. - `visa.consumer_services_not_as_described` (dictionary, optional) Services not as described. Required if and only if `category` is `consumer_services_not_as_described`. - `visa.consumer_services_not_as_described.cardholder_cancellation` (dictionary, required) Cardholder cancellation. - `visa.consumer_services_not_as_described.cardholder_cancellation.accepted_by_merchant` (enum, required) Accepted by merchant. Cases: * `accepted` (Accepted.) * `not_accepted` (Not accepted.) - `visa.consumer_services_not_as_described.cardholder_cancellation.canceled_at` (string, required) Canceled at. - `visa.consumer_services_not_as_described.cardholder_cancellation.reason` (string, required) Reason. - `visa.consumer_services_not_as_described.explanation` (string, required) Explanation of what was ordered and was not as described. - `visa.consumer_services_not_as_described.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.consumer_services_not_as_described.received_at` (string, required) Received at. - `visa.consumer_services_not_received` (dictionary, optional) Services not received. Required if and only if `category` is `consumer_services_not_received`. - `visa.consumer_services_not_received.cancellation_outcome` (enum, required) Cancellation outcome. Cases: * `cardholder_cancellation_prior_to_expected_receipt` (Cardholder cancellation prior to expected receipt.) * `merchant_cancellation` (Merchant cancellation.) * `no_cancellation` (No cancellation.) - `visa.consumer_services_not_received.cardholder_cancellation_prior_to_expected_receipt` (dictionary, optional) Cardholder cancellation prior to expected receipt. Required if and only if `cancellation_outcome` is `cardholder_cancellation_prior_to_expected_receipt`. - `visa.consumer_services_not_received.cardholder_cancellation_prior_to_expected_receipt.canceled_at` (string, required) Canceled at. - `visa.consumer_services_not_received.cardholder_cancellation_prior_to_expected_receipt.reason` (string, optional) Reason. - `visa.consumer_services_not_received.last_expected_receipt_at` (string, required) Last expected receipt at. - `visa.consumer_services_not_received.merchant_cancellation` (dictionary, optional) Merchant cancellation. Required if and only if `cancellation_outcome` is `merchant_cancellation`. - `visa.consumer_services_not_received.merchant_cancellation.canceled_at` (string, required) Canceled at. - `visa.consumer_services_not_received.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.consumer_services_not_received.no_cancellation` (dictionary, optional) No cancellation. Required if and only if `cancellation_outcome` is `no_cancellation`. - `visa.consumer_services_not_received.purchase_info_and_explanation` (string, required) Purchase information and explanation. - `visa.fraud` (dictionary, optional) Fraud. Required if and only if `category` is `fraud`. - `visa.fraud.fraud_type` (enum, required) Fraud type. Cases: * `account_or_credentials_takeover` (Account or credentials takeover.) * `card_not_received_as_issued` (Card not received as issued.) * `fraudulent_application` (Fraudulent application.) * `fraudulent_use_of_account_number` (Fraudulent use of account number.) * `incorrect_processing` (Incorrect processing.) * `issuer_reported_counterfeit` (Issuer reported counterfeit.) * `lost` (Lost.) * `manipulation_of_account_holder` (Manipulation of account holder.) * `merchant_misrepresentation` (Merchant misrepresentation.) * `miscellaneous` (Miscellaneous.) * `stolen` (Stolen.) - `visa.processing_error` (dictionary, optional) Processing error. Required if and only if `category` is `processing_error`. - `visa.processing_error.duplicate_transaction` (dictionary, optional) Duplicate transaction. Required if and only if `error_reason` is `duplicate_transaction`. - `visa.processing_error.duplicate_transaction.other_transaction_id` (string, required) Other transaction ID. - `visa.processing_error.error_reason` (enum, required) Error reason. Cases: * `duplicate_transaction` (Duplicate transaction.) * `incorrect_amount` (Incorrect amount.) * `paid_by_other_means` (Paid by other means.) - `visa.processing_error.incorrect_amount` (dictionary, optional) Incorrect amount. Required if and only if `error_reason` is `incorrect_amount`. - `visa.processing_error.incorrect_amount.expected_amount` (integer, required) Expected amount. - `visa.processing_error.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.processing_error.paid_by_other_means` (dictionary, optional) Paid by other means. Required if and only if `error_reason` is `paid_by_other_means`. - `visa.processing_error.paid_by_other_means.other_form_of_payment_evidence` (enum, required) Other form of payment evidence. Cases: * `canceled_check` (Canceled check.) * `card_transaction` (Card transaction.) * `cash_receipt` (Cash receipt.) * `other` (Other.) * `statement` (Statement.) * `voucher` (Voucher.) - `visa.processing_error.paid_by_other_means.other_transaction_id` (string, optional) Other transaction ID. ## Retrieve a Card Dispute GET /card_disputes/{card_dispute_id} ### Example ```curl curl \ --url "${INCREASE_URL}/card_disputes/card_dispute_h9sc95nbl1cgltpp7men" \ -H "Authorization: Bearer ${INCREASE_API_KEY}" ``` ### Path Parameters - `card_dispute_id` (string, required) The identifier of the Card Dispute. ## Submit a User Submission for a Card Dispute POST /card_disputes/{card_dispute_id}/submit_user_submission ### Example ```curl curl -X "POST" \ --url "${INCREASE_URL}/card_disputes/card_dispute_h9sc95nbl1cgltpp7men/submit_user_submission" \ -H "Authorization: Bearer ${INCREASE_API_KEY}" \ -H "Content-Type: application/json" \ -d $'{ "network": "visa", "visa": { "category": "merchant_prearbitration_decline", "merchant_prearbitration_decline": { "reason": "The pre-arbitration received from the merchantdoes not explain how they obtained permission to charge the card." } } }' ``` ### Path Parameters - `card_dispute_id` (string, required) The identifier of the Card Dispute to submit a user submission for. ### Body Parameters - `amount` (integer, optional) The adjusted monetary amount of the part of the transaction that is being disputed. This is optional and will default to the most recent amount provided. If provided, the amount must be less than or equal to the amount of the transaction. - `attachment_files` (array of objects, optional) The files to be attached to the user submission. - `attachment_files.file_id` (string, required) The ID of the file to be attached. The file must have a `purpose` of `card_dispute_attachment`. - `explanation` (string, optional) The free-form explanation provided to Increase to provide more context for the user submission. This field is not sent directly to the card networks. - `network` (enum, required) The network of the Card Dispute. Details specific to the network are required under the sub-object with the same identifier as the network. Cases: * `visa` (Visa) - `visa` (dictionary, optional) The Visa-specific parameters for the dispute. Required if and only if `network` is `visa`. - `visa.category` (enum, required) The category of the user submission. Details specific to the category are required under the sub-object with the same identifier as the category. Cases: * `chargeback` (Chargeback.) * `merchant_prearbitration_decline` (Merchant pre-arbitration decline.) * `user_prearbitration` (User pre-arbitration.) - `visa.chargeback` (dictionary, optional) The chargeback details for the user submission. Required if and only if `category` is `chargeback`. - `visa.chargeback.authorization` (dictionary, optional) Authorization. Required if and only if `category` is `authorization`. - `visa.chargeback.authorization.account_status` (enum, required) Account status. Cases: * `account_closed` (Account closed.) * `credit_problem` (Credit problem.) * `fraud` (Fraud.) - `visa.chargeback.category` (enum, required) Category. Cases: * `authorization` (Authorization.) * `consumer_canceled_merchandise` (Consumer: canceled merchandise.) * `consumer_canceled_recurring_transaction` (Consumer: canceled recurring transaction.) * `consumer_canceled_services` (Consumer: canceled services.) * `consumer_counterfeit_merchandise` (Consumer: counterfeit merchandise.) * `consumer_credit_not_processed` (Consumer: credit not processed.) * `consumer_damaged_or_defective_merchandise` (Consumer: damaged or defective merchandise.) * `consumer_merchandise_misrepresentation` (Consumer: merchandise misrepresentation.) * `consumer_merchandise_not_as_described` (Consumer: merchandise not as described.) * `consumer_merchandise_not_received` (Consumer: merchandise not received.) * `consumer_non_receipt_of_cash` (Consumer: non-receipt of cash.) * `consumer_original_credit_transaction_not_accepted` (Consumer: Original Credit Transaction (OCT) not accepted.) * `consumer_quality_merchandise` (Consumer: merchandise quality issue.) * `consumer_quality_services` (Consumer: services quality issue.) * `consumer_services_misrepresentation` (Consumer: services misrepresentation.) * `consumer_services_not_as_described` (Consumer: services not as described.) * `consumer_services_not_received` (Consumer: services not received.) * `fraud` (Fraud.) * `processing_error` (Processing error.) - `visa.chargeback.consumer_canceled_merchandise` (dictionary, optional) Canceled merchandise. Required if and only if `category` is `consumer_canceled_merchandise`. - `visa.chargeback.consumer_canceled_merchandise.cardholder_cancellation` (dictionary, optional) Cardholder cancellation. - `visa.chargeback.consumer_canceled_merchandise.cardholder_cancellation.canceled_at` (string, required) Canceled at. - `visa.chargeback.consumer_canceled_merchandise.cardholder_cancellation.canceled_prior_to_ship_date` (enum, required) Canceled prior to ship date. Cases: * `canceled_prior_to_ship_date` (Canceled prior to ship date.) * `not_canceled_prior_to_ship_date` (Not canceled prior to ship date.) - `visa.chargeback.consumer_canceled_merchandise.cardholder_cancellation.cancellation_policy_provided` (enum, required) Cancellation policy provided. Cases: * `not_provided` (Not provided.) * `provided` (Provided.) - `visa.chargeback.consumer_canceled_merchandise.cardholder_cancellation.reason` (string, required) Reason. - `visa.chargeback.consumer_canceled_merchandise.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.chargeback.consumer_canceled_merchandise.not_returned` (dictionary, optional) Not returned. Required if and only if `return_outcome` is `not_returned`. - `visa.chargeback.consumer_canceled_merchandise.purchase_explanation` (string, required) Purchase explanation. - `visa.chargeback.consumer_canceled_merchandise.received_or_expected_at` (string, required) Received or expected at. - `visa.chargeback.consumer_canceled_merchandise.return_attempted` (dictionary, optional) Return attempted. Required if and only if `return_outcome` is `return_attempted`. - `visa.chargeback.consumer_canceled_merchandise.return_attempted.attempt_explanation` (string, required) Attempt explanation. - `visa.chargeback.consumer_canceled_merchandise.return_attempted.attempt_reason` (enum, required) Attempt reason. Cases: * `merchant_not_responding` (Merchant not responding.) * `no_return_authorization_provided` (No return authorization provided.) * `no_return_instructions` (No return instructions.) * `requested_not_to_return` (Requested not to return.) * `return_not_accepted` (Return not accepted.) - `visa.chargeback.consumer_canceled_merchandise.return_attempted.attempted_at` (string, required) Attempted at. - `visa.chargeback.consumer_canceled_merchandise.return_attempted.merchandise_disposition` (string, required) Merchandise disposition. - `visa.chargeback.consumer_canceled_merchandise.return_outcome` (enum, required) Return outcome. Cases: * `not_returned` (Not returned.) * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.chargeback.consumer_canceled_merchandise.returned` (dictionary, optional) Returned. Required if and only if `return_outcome` is `returned`. - `visa.chargeback.consumer_canceled_merchandise.returned.merchant_received_return_at` (string, optional) Merchant received return at. - `visa.chargeback.consumer_canceled_merchandise.returned.other_explanation` (string, optional) Other explanation. Required if and only if the return method is `other`. - `visa.chargeback.consumer_canceled_merchandise.returned.return_method` (enum, required) Return method. Cases: * `dhl` (DHL.) * `face_to_face` (Face-to-face.) * `fedex` (FedEx.) * `other` (Other.) * `postal_service` (Postal service.) * `ups` (UPS.) - `visa.chargeback.consumer_canceled_merchandise.returned.returned_at` (string, required) Returned at. - `visa.chargeback.consumer_canceled_merchandise.returned.tracking_number` (string, optional) Tracking number. - `visa.chargeback.consumer_canceled_recurring_transaction` (dictionary, optional) Canceled recurring transaction. Required if and only if `category` is `consumer_canceled_recurring_transaction`. - `visa.chargeback.consumer_canceled_recurring_transaction.cancellation_target` (enum, required) Cancellation target. Cases: * `account` (Account.) * `transaction` (Transaction.) - `visa.chargeback.consumer_canceled_recurring_transaction.merchant_contact_methods` (dictionary, required) Merchant contact methods. - `visa.chargeback.consumer_canceled_recurring_transaction.merchant_contact_methods.application_name` (string, optional) Application name. - `visa.chargeback.consumer_canceled_recurring_transaction.merchant_contact_methods.call_center_phone_number` (string, optional) Call center phone number. - `visa.chargeback.consumer_canceled_recurring_transaction.merchant_contact_methods.email_address` (string, optional) Email address. - `visa.chargeback.consumer_canceled_recurring_transaction.merchant_contact_methods.in_person_address` (string, optional) In person address. - `visa.chargeback.consumer_canceled_recurring_transaction.merchant_contact_methods.mailing_address` (string, optional) Mailing address. - `visa.chargeback.consumer_canceled_recurring_transaction.merchant_contact_methods.text_phone_number` (string, optional) Text phone number. - `visa.chargeback.consumer_canceled_recurring_transaction.other_form_of_payment_explanation` (string, optional) Other form of payment explanation. - `visa.chargeback.consumer_canceled_recurring_transaction.transaction_or_account_canceled_at` (string, required) Transaction or account canceled at. - `visa.chargeback.consumer_canceled_services` (dictionary, optional) Canceled services. Required if and only if `category` is `consumer_canceled_services`. - `visa.chargeback.consumer_canceled_services.cardholder_cancellation` (dictionary, required) Cardholder cancellation. - `visa.chargeback.consumer_canceled_services.cardholder_cancellation.canceled_at` (string, required) Canceled at. - `visa.chargeback.consumer_canceled_services.cardholder_cancellation.cancellation_policy_provided` (enum, required) Cancellation policy provided. Cases: * `not_provided` (Not provided.) * `provided` (Provided.) - `visa.chargeback.consumer_canceled_services.cardholder_cancellation.reason` (string, required) Reason. - `visa.chargeback.consumer_canceled_services.contracted_at` (string, required) Contracted at. - `visa.chargeback.consumer_canceled_services.guaranteed_reservation` (dictionary, optional) Guaranteed reservation explanation. Required if and only if `service_type` is `guaranteed_reservation`. - `visa.chargeback.consumer_canceled_services.guaranteed_reservation.explanation` (enum, required) Explanation. Cases: * `cardholder_canceled_prior_to_service` (Cardholder canceled prior to service.) * `cardholder_cancellation_attempt_within_24_hours_of_confirmation` (Cardholder cancellation attempt within 24 hours of confirmation.) * `merchant_billed_no_show` (Merchant billed for no-show.) - `visa.chargeback.consumer_canceled_services.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.chargeback.consumer_canceled_services.other` (dictionary, optional) Other service type explanation. Required if and only if `service_type` is `other`. - `visa.chargeback.consumer_canceled_services.purchase_explanation` (string, required) Purchase explanation. - `visa.chargeback.consumer_canceled_services.service_type` (enum, required) Service type. Cases: * `guaranteed_reservation` (Guaranteed reservation.) * `other` (Other.) * `timeshare` (Timeshare.) - `visa.chargeback.consumer_canceled_services.timeshare` (dictionary, optional) Timeshare explanation. Required if and only if `service_type` is `timeshare`. - `visa.chargeback.consumer_counterfeit_merchandise` (dictionary, optional) Counterfeit merchandise. Required if and only if `category` is `consumer_counterfeit_merchandise`. - `visa.chargeback.consumer_counterfeit_merchandise.counterfeit_explanation` (string, required) Counterfeit explanation. - `visa.chargeback.consumer_counterfeit_merchandise.disposition_explanation` (string, required) Disposition explanation. - `visa.chargeback.consumer_counterfeit_merchandise.order_explanation` (string, required) Order explanation. - `visa.chargeback.consumer_counterfeit_merchandise.received_at` (string, required) Received at. - `visa.chargeback.consumer_credit_not_processed` (dictionary, optional) Credit not processed. Required if and only if `category` is `consumer_credit_not_processed`. - `visa.chargeback.consumer_credit_not_processed.canceled_or_returned_at` (string, optional) Canceled or returned at. - `visa.chargeback.consumer_credit_not_processed.credit_expected_at` (string, optional) Credit expected at. - `visa.chargeback.consumer_damaged_or_defective_merchandise` (dictionary, optional) Damaged or defective merchandise. Required if and only if `category` is `consumer_damaged_or_defective_merchandise`. - `visa.chargeback.consumer_damaged_or_defective_merchandise.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.chargeback.consumer_damaged_or_defective_merchandise.not_returned` (dictionary, optional) Not returned. Required if and only if `return_outcome` is `not_returned`. - `visa.chargeback.consumer_damaged_or_defective_merchandise.order_and_issue_explanation` (string, required) Order and issue explanation. - `visa.chargeback.consumer_damaged_or_defective_merchandise.received_at` (string, required) Received at. - `visa.chargeback.consumer_damaged_or_defective_merchandise.return_attempted` (dictionary, optional) Return attempted. Required if and only if `return_outcome` is `return_attempted`. - `visa.chargeback.consumer_damaged_or_defective_merchandise.return_attempted.attempt_explanation` (string, required) Attempt explanation. - `visa.chargeback.consumer_damaged_or_defective_merchandise.return_attempted.attempt_reason` (enum, required) Attempt reason. Cases: * `merchant_not_responding` (Merchant not responding.) * `no_return_authorization_provided` (No return authorization provided.) * `no_return_instructions` (No return instructions.) * `requested_not_to_return` (Requested not to return.) * `return_not_accepted` (Return not accepted.) - `visa.chargeback.consumer_damaged_or_defective_merchandise.return_attempted.attempted_at` (string, required) Attempted at. - `visa.chargeback.consumer_damaged_or_defective_merchandise.return_attempted.merchandise_disposition` (string, required) Merchandise disposition. - `visa.chargeback.consumer_damaged_or_defective_merchandise.return_outcome` (enum, required) Return outcome. Cases: * `not_returned` (Not returned.) * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.chargeback.consumer_damaged_or_defective_merchandise.returned` (dictionary, optional) Returned. Required if and only if `return_outcome` is `returned`. - `visa.chargeback.consumer_damaged_or_defective_merchandise.returned.merchant_received_return_at` (string, optional) Merchant received return at. - `visa.chargeback.consumer_damaged_or_defective_merchandise.returned.other_explanation` (string, optional) Other explanation. Required if and only if the return method is `other`. - `visa.chargeback.consumer_damaged_or_defective_merchandise.returned.return_method` (enum, required) Return method. Cases: * `dhl` (DHL.) * `face_to_face` (Face-to-face.) * `fedex` (FedEx.) * `other` (Other.) * `postal_service` (Postal service.) * `ups` (UPS.) - `visa.chargeback.consumer_damaged_or_defective_merchandise.returned.returned_at` (string, required) Returned at. - `visa.chargeback.consumer_damaged_or_defective_merchandise.returned.tracking_number` (string, optional) Tracking number. - `visa.chargeback.consumer_merchandise_misrepresentation` (dictionary, optional) Merchandise misrepresentation. Required if and only if `category` is `consumer_merchandise_misrepresentation`. - `visa.chargeback.consumer_merchandise_misrepresentation.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.chargeback.consumer_merchandise_misrepresentation.misrepresentation_explanation` (string, required) Misrepresentation explanation. - `visa.chargeback.consumer_merchandise_misrepresentation.not_returned` (dictionary, optional) Not returned. Required if and only if `return_outcome` is `not_returned`. - `visa.chargeback.consumer_merchandise_misrepresentation.purchase_explanation` (string, required) Purchase explanation. - `visa.chargeback.consumer_merchandise_misrepresentation.received_at` (string, required) Received at. - `visa.chargeback.consumer_merchandise_misrepresentation.return_attempted` (dictionary, optional) Return attempted. Required if and only if `return_outcome` is `return_attempted`. - `visa.chargeback.consumer_merchandise_misrepresentation.return_attempted.attempt_explanation` (string, required) Attempt explanation. - `visa.chargeback.consumer_merchandise_misrepresentation.return_attempted.attempt_reason` (enum, required) Attempt reason. Cases: * `merchant_not_responding` (Merchant not responding.) * `no_return_authorization_provided` (No return authorization provided.) * `no_return_instructions` (No return instructions.) * `requested_not_to_return` (Requested not to return.) * `return_not_accepted` (Return not accepted.) - `visa.chargeback.consumer_merchandise_misrepresentation.return_attempted.attempted_at` (string, required) Attempted at. - `visa.chargeback.consumer_merchandise_misrepresentation.return_attempted.merchandise_disposition` (string, required) Merchandise disposition. - `visa.chargeback.consumer_merchandise_misrepresentation.return_outcome` (enum, required) Return outcome. Cases: * `not_returned` (Not returned.) * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.chargeback.consumer_merchandise_misrepresentation.returned` (dictionary, optional) Returned. Required if and only if `return_outcome` is `returned`. - `visa.chargeback.consumer_merchandise_misrepresentation.returned.merchant_received_return_at` (string, optional) Merchant received return at. - `visa.chargeback.consumer_merchandise_misrepresentation.returned.other_explanation` (string, optional) Other explanation. Required if and only if the return method is `other`. - `visa.chargeback.consumer_merchandise_misrepresentation.returned.return_method` (enum, required) Return method. Cases: * `dhl` (DHL.) * `face_to_face` (Face-to-face.) * `fedex` (FedEx.) * `other` (Other.) * `postal_service` (Postal service.) * `ups` (UPS.) - `visa.chargeback.consumer_merchandise_misrepresentation.returned.returned_at` (string, required) Returned at. - `visa.chargeback.consumer_merchandise_misrepresentation.returned.tracking_number` (string, optional) Tracking number. - `visa.chargeback.consumer_merchandise_not_as_described` (dictionary, optional) Merchandise not as described. Required if and only if `category` is `consumer_merchandise_not_as_described`. - `visa.chargeback.consumer_merchandise_not_as_described.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.chargeback.consumer_merchandise_not_as_described.received_at` (string, required) Received at. - `visa.chargeback.consumer_merchandise_not_as_described.return_attempted` (dictionary, optional) Return attempted. Required if and only if `return_outcome` is `return_attempted`. - `visa.chargeback.consumer_merchandise_not_as_described.return_attempted.attempt_explanation` (string, required) Attempt explanation. - `visa.chargeback.consumer_merchandise_not_as_described.return_attempted.attempt_reason` (enum, required) Attempt reason. Cases: * `merchant_not_responding` (Merchant not responding.) * `no_return_authorization_provided` (No return authorization provided.) * `no_return_instructions` (No return instructions.) * `requested_not_to_return` (Requested not to return.) * `return_not_accepted` (Return not accepted.) - `visa.chargeback.consumer_merchandise_not_as_described.return_attempted.attempted_at` (string, required) Attempted at. - `visa.chargeback.consumer_merchandise_not_as_described.return_attempted.merchandise_disposition` (string, required) Merchandise disposition. - `visa.chargeback.consumer_merchandise_not_as_described.return_outcome` (enum, required) Return outcome. Cases: * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.chargeback.consumer_merchandise_not_as_described.returned` (dictionary, optional) Returned. Required if and only if `return_outcome` is `returned`. - `visa.chargeback.consumer_merchandise_not_as_described.returned.merchant_received_return_at` (string, optional) Merchant received return at. - `visa.chargeback.consumer_merchandise_not_as_described.returned.other_explanation` (string, optional) Other explanation. Required if and only if the return method is `other`. - `visa.chargeback.consumer_merchandise_not_as_described.returned.return_method` (enum, required) Return method. Cases: * `dhl` (DHL.) * `face_to_face` (Face-to-face.) * `fedex` (FedEx.) * `other` (Other.) * `postal_service` (Postal service.) * `ups` (UPS.) - `visa.chargeback.consumer_merchandise_not_as_described.returned.returned_at` (string, required) Returned at. - `visa.chargeback.consumer_merchandise_not_as_described.returned.tracking_number` (string, optional) Tracking number. - `visa.chargeback.consumer_merchandise_not_received` (dictionary, optional) Merchandise not received. Required if and only if `category` is `consumer_merchandise_not_received`. - `visa.chargeback.consumer_merchandise_not_received.cancellation_outcome` (enum, required) Cancellation outcome. Cases: * `cardholder_cancellation_prior_to_expected_receipt` (Cardholder cancellation prior to expected receipt.) * `merchant_cancellation` (Merchant cancellation.) * `no_cancellation` (No cancellation.) - `visa.chargeback.consumer_merchandise_not_received.cardholder_cancellation_prior_to_expected_receipt` (dictionary, optional) Cardholder cancellation prior to expected receipt. Required if and only if `cancellation_outcome` is `cardholder_cancellation_prior_to_expected_receipt`. - `visa.chargeback.consumer_merchandise_not_received.cardholder_cancellation_prior_to_expected_receipt.canceled_at` (string, required) Canceled at. - `visa.chargeback.consumer_merchandise_not_received.cardholder_cancellation_prior_to_expected_receipt.reason` (string, optional) Reason. - `visa.chargeback.consumer_merchandise_not_received.delayed` (dictionary, optional) Delayed. Required if and only if `delivery_issue` is `delayed`. - `visa.chargeback.consumer_merchandise_not_received.delayed.explanation` (string, required) Explanation. - `visa.chargeback.consumer_merchandise_not_received.delayed.not_returned` (dictionary, optional) Not returned. Required if and only if `return_outcome` is `not_returned`. - `visa.chargeback.consumer_merchandise_not_received.delayed.return_attempted` (dictionary, optional) Return attempted. Required if and only if `return_outcome` is `return_attempted`. - `visa.chargeback.consumer_merchandise_not_received.delayed.return_attempted.attempted_at` (string, required) Attempted at. - `visa.chargeback.consumer_merchandise_not_received.delayed.return_outcome` (enum, required) Return outcome. Cases: * `not_returned` (Not returned.) * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.chargeback.consumer_merchandise_not_received.delayed.returned` (dictionary, optional) Returned. Required if and only if `return_outcome` is `returned`. - `visa.chargeback.consumer_merchandise_not_received.delayed.returned.merchant_received_return_at` (string, required) Merchant received return at. - `visa.chargeback.consumer_merchandise_not_received.delayed.returned.returned_at` (string, required) Returned at. - `visa.chargeback.consumer_merchandise_not_received.delivered_to_wrong_location` (dictionary, optional) Delivered to wrong location. Required if and only if `delivery_issue` is `delivered_to_wrong_location`. - `visa.chargeback.consumer_merchandise_not_received.delivered_to_wrong_location.agreed_location` (string, required) Agreed location. - `visa.chargeback.consumer_merchandise_not_received.delivery_issue` (enum, required) Delivery issue. Cases: * `delayed` (Delayed.) * `delivered_to_wrong_location` (Delivered to wrong location.) - `visa.chargeback.consumer_merchandise_not_received.last_expected_receipt_at` (string, required) Last expected receipt at. - `visa.chargeback.consumer_merchandise_not_received.merchant_cancellation` (dictionary, optional) Merchant cancellation. Required if and only if `cancellation_outcome` is `merchant_cancellation`. - `visa.chargeback.consumer_merchandise_not_received.merchant_cancellation.canceled_at` (string, required) Canceled at. - `visa.chargeback.consumer_merchandise_not_received.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.chargeback.consumer_merchandise_not_received.no_cancellation` (dictionary, optional) No cancellation. Required if and only if `cancellation_outcome` is `no_cancellation`. - `visa.chargeback.consumer_merchandise_not_received.purchase_info_and_explanation` (string, required) Purchase information and explanation. - `visa.chargeback.consumer_non_receipt_of_cash` (dictionary, optional) Non-receipt of cash. Required if and only if `category` is `consumer_non_receipt_of_cash`. - `visa.chargeback.consumer_original_credit_transaction_not_accepted` (dictionary, optional) Original Credit Transaction (OCT) not accepted. Required if and only if `category` is `consumer_original_credit_transaction_not_accepted`. - `visa.chargeback.consumer_original_credit_transaction_not_accepted.explanation` (string, required) Explanation. - `visa.chargeback.consumer_original_credit_transaction_not_accepted.reason` (enum, required) Reason. Cases: * `prohibited_by_local_laws_or_regulation` (Prohibited by local laws or regulation.) * `recipient_refused` (Recipient refused.) - `visa.chargeback.consumer_quality_merchandise` (dictionary, optional) Merchandise quality issue. Required if and only if `category` is `consumer_quality_merchandise`. - `visa.chargeback.consumer_quality_merchandise.expected_at` (string, required) Expected at. - `visa.chargeback.consumer_quality_merchandise.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.chargeback.consumer_quality_merchandise.not_returned` (dictionary, optional) Not returned. Required if and only if `return_outcome` is `not_returned`. - `visa.chargeback.consumer_quality_merchandise.ongoing_negotiations` (dictionary, optional) Ongoing negotiations. Exclude if there is no evidence of ongoing negotiations. - `visa.chargeback.consumer_quality_merchandise.ongoing_negotiations.explanation` (string, required) Explanation of the previous ongoing negotiations between the cardholder and merchant. - `visa.chargeback.consumer_quality_merchandise.ongoing_negotiations.issuer_first_notified_at` (string, required) Date the cardholder first notified the issuer of the dispute. - `visa.chargeback.consumer_quality_merchandise.ongoing_negotiations.started_at` (string, required) Started at. - `visa.chargeback.consumer_quality_merchandise.purchase_info_and_quality_issue` (string, required) Purchase information and quality issue. - `visa.chargeback.consumer_quality_merchandise.received_at` (string, required) Received at. - `visa.chargeback.consumer_quality_merchandise.return_attempted` (dictionary, optional) Return attempted. Required if and only if `return_outcome` is `return_attempted`. - `visa.chargeback.consumer_quality_merchandise.return_attempted.attempt_explanation` (string, required) Attempt explanation. - `visa.chargeback.consumer_quality_merchandise.return_attempted.attempt_reason` (enum, required) Attempt reason. Cases: * `merchant_not_responding` (Merchant not responding.) * `no_return_authorization_provided` (No return authorization provided.) * `no_return_instructions` (No return instructions.) * `requested_not_to_return` (Requested not to return.) * `return_not_accepted` (Return not accepted.) - `visa.chargeback.consumer_quality_merchandise.return_attempted.attempted_at` (string, required) Attempted at. - `visa.chargeback.consumer_quality_merchandise.return_attempted.merchandise_disposition` (string, required) Merchandise disposition. - `visa.chargeback.consumer_quality_merchandise.return_outcome` (enum, required) Return outcome. Cases: * `not_returned` (Not returned.) * `returned` (Returned.) * `return_attempted` (Return attempted.) - `visa.chargeback.consumer_quality_merchandise.returned` (dictionary, optional) Returned. Required if and only if `return_outcome` is `returned`. - `visa.chargeback.consumer_quality_merchandise.returned.merchant_received_return_at` (string, optional) Merchant received return at. - `visa.chargeback.consumer_quality_merchandise.returned.other_explanation` (string, optional) Other explanation. Required if and only if the return method is `other`. - `visa.chargeback.consumer_quality_merchandise.returned.return_method` (enum, required) Return method. Cases: * `dhl` (DHL.) * `face_to_face` (Face-to-face.) * `fedex` (FedEx.) * `other` (Other.) * `postal_service` (Postal service.) * `ups` (UPS.) - `visa.chargeback.consumer_quality_merchandise.returned.returned_at` (string, required) Returned at. - `visa.chargeback.consumer_quality_merchandise.returned.tracking_number` (string, optional) Tracking number. - `visa.chargeback.consumer_quality_services` (dictionary, optional) Services quality issue. Required if and only if `category` is `consumer_quality_services`. - `visa.chargeback.consumer_quality_services.cardholder_cancellation` (dictionary, required) Cardholder cancellation. - `visa.chargeback.consumer_quality_services.cardholder_cancellation.accepted_by_merchant` (enum, required) Accepted by merchant. Cases: * `accepted` (Accepted.) * `not_accepted` (Not accepted.) - `visa.chargeback.consumer_quality_services.cardholder_cancellation.canceled_at` (string, required) Canceled at. - `visa.chargeback.consumer_quality_services.cardholder_cancellation.reason` (string, required) Reason. - `visa.chargeback.consumer_quality_services.cardholder_paid_to_have_work_redone` (enum, optional) Cardholder paid to have work redone. Cases: * `did_not_pay_to_have_work_redone` (Cardholder did not pay to have work redone.) * `paid_to_have_work_redone` (Cardholder paid to have work redone.) - `visa.chargeback.consumer_quality_services.non_fiat_currency_or_non_fungible_token_related_and_not_matching_description` (enum, required) Non-fiat currency or non-fungible token related and not matching description. Cases: * `not_related` (Not related.) * `related` (Related.) - `visa.chargeback.consumer_quality_services.ongoing_negotiations` (dictionary, optional) Ongoing negotiations. Exclude if there is no evidence of ongoing negotiations. - `visa.chargeback.consumer_quality_services.ongoing_negotiations.explanation` (string, required) Explanation of the previous ongoing negotiations between the cardholder and merchant. - `visa.chargeback.consumer_quality_services.ongoing_negotiations.issuer_first_notified_at` (string, required) Date the cardholder first notified the issuer of the dispute. - `visa.chargeback.consumer_quality_services.ongoing_negotiations.started_at` (string, required) Started at. - `visa.chargeback.consumer_quality_services.purchase_info_and_quality_issue` (string, required) Purchase information and quality issue. - `visa.chargeback.consumer_quality_services.restaurant_food_related` (enum, optional) Whether the dispute is related to the quality of food from an eating place or restaurant. Must be provided when Merchant Category Code (MCC) is 5812, 5813 or 5814. Cases: * `not_related` (Not related.) * `related` (Related.) - `visa.chargeback.consumer_quality_services.services_received_at` (string, required) Services received at. - `visa.chargeback.consumer_services_misrepresentation` (dictionary, optional) Services misrepresentation. Required if and only if `category` is `consumer_services_misrepresentation`. - `visa.chargeback.consumer_services_misrepresentation.cardholder_cancellation` (dictionary, required) Cardholder cancellation. - `visa.chargeback.consumer_services_misrepresentation.cardholder_cancellation.accepted_by_merchant` (enum, required) Accepted by merchant. Cases: * `accepted` (Accepted.) * `not_accepted` (Not accepted.) - `visa.chargeback.consumer_services_misrepresentation.cardholder_cancellation.canceled_at` (string, required) Canceled at. - `visa.chargeback.consumer_services_misrepresentation.cardholder_cancellation.reason` (string, required) Reason. - `visa.chargeback.consumer_services_misrepresentation.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.chargeback.consumer_services_misrepresentation.misrepresentation_explanation` (string, required) Misrepresentation explanation. - `visa.chargeback.consumer_services_misrepresentation.purchase_explanation` (string, required) Purchase explanation. - `visa.chargeback.consumer_services_misrepresentation.received_at` (string, required) Received at. - `visa.chargeback.consumer_services_not_as_described` (dictionary, optional) Services not as described. Required if and only if `category` is `consumer_services_not_as_described`. - `visa.chargeback.consumer_services_not_as_described.cardholder_cancellation` (dictionary, required) Cardholder cancellation. - `visa.chargeback.consumer_services_not_as_described.cardholder_cancellation.accepted_by_merchant` (enum, required) Accepted by merchant. Cases: * `accepted` (Accepted.) * `not_accepted` (Not accepted.) - `visa.chargeback.consumer_services_not_as_described.cardholder_cancellation.canceled_at` (string, required) Canceled at. - `visa.chargeback.consumer_services_not_as_described.cardholder_cancellation.reason` (string, required) Reason. - `visa.chargeback.consumer_services_not_as_described.explanation` (string, required) Explanation of what was ordered and was not as described. - `visa.chargeback.consumer_services_not_as_described.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.chargeback.consumer_services_not_as_described.received_at` (string, required) Received at. - `visa.chargeback.consumer_services_not_received` (dictionary, optional) Services not received. Required if and only if `category` is `consumer_services_not_received`. - `visa.chargeback.consumer_services_not_received.cancellation_outcome` (enum, required) Cancellation outcome. Cases: * `cardholder_cancellation_prior_to_expected_receipt` (Cardholder cancellation prior to expected receipt.) * `merchant_cancellation` (Merchant cancellation.) * `no_cancellation` (No cancellation.) - `visa.chargeback.consumer_services_not_received.cardholder_cancellation_prior_to_expected_receipt` (dictionary, optional) Cardholder cancellation prior to expected receipt. Required if and only if `cancellation_outcome` is `cardholder_cancellation_prior_to_expected_receipt`. - `visa.chargeback.consumer_services_not_received.cardholder_cancellation_prior_to_expected_receipt.canceled_at` (string, required) Canceled at. - `visa.chargeback.consumer_services_not_received.cardholder_cancellation_prior_to_expected_receipt.reason` (string, optional) Reason. - `visa.chargeback.consumer_services_not_received.last_expected_receipt_at` (string, required) Last expected receipt at. - `visa.chargeback.consumer_services_not_received.merchant_cancellation` (dictionary, optional) Merchant cancellation. Required if and only if `cancellation_outcome` is `merchant_cancellation`. - `visa.chargeback.consumer_services_not_received.merchant_cancellation.canceled_at` (string, required) Canceled at. - `visa.chargeback.consumer_services_not_received.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.chargeback.consumer_services_not_received.no_cancellation` (dictionary, optional) No cancellation. Required if and only if `cancellation_outcome` is `no_cancellation`. - `visa.chargeback.consumer_services_not_received.purchase_info_and_explanation` (string, required) Purchase information and explanation. - `visa.chargeback.fraud` (dictionary, optional) Fraud. Required if and only if `category` is `fraud`. - `visa.chargeback.fraud.fraud_type` (enum, required) Fraud type. Cases: * `account_or_credentials_takeover` (Account or credentials takeover.) * `card_not_received_as_issued` (Card not received as issued.) * `fraudulent_application` (Fraudulent application.) * `fraudulent_use_of_account_number` (Fraudulent use of account number.) * `incorrect_processing` (Incorrect processing.) * `issuer_reported_counterfeit` (Issuer reported counterfeit.) * `lost` (Lost.) * `manipulation_of_account_holder` (Manipulation of account holder.) * `merchant_misrepresentation` (Merchant misrepresentation.) * `miscellaneous` (Miscellaneous.) * `stolen` (Stolen.) - `visa.chargeback.processing_error` (dictionary, optional) Processing error. Required if and only if `category` is `processing_error`. - `visa.chargeback.processing_error.duplicate_transaction` (dictionary, optional) Duplicate transaction. Required if and only if `error_reason` is `duplicate_transaction`. - `visa.chargeback.processing_error.duplicate_transaction.other_transaction_id` (string, required) Other transaction ID. - `visa.chargeback.processing_error.error_reason` (enum, required) Error reason. Cases: * `duplicate_transaction` (Duplicate transaction.) * `incorrect_amount` (Incorrect amount.) * `paid_by_other_means` (Paid by other means.) - `visa.chargeback.processing_error.incorrect_amount` (dictionary, optional) Incorrect amount. Required if and only if `error_reason` is `incorrect_amount`. - `visa.chargeback.processing_error.incorrect_amount.expected_amount` (integer, required) Expected amount. - `visa.chargeback.processing_error.merchant_resolution_attempted` (enum, required) Merchant resolution attempted. Cases: * `attempted` (Attempted.) * `prohibited_by_local_law` (Prohibited by local law.) - `visa.chargeback.processing_error.paid_by_other_means` (dictionary, optional) Paid by other means. Required if and only if `error_reason` is `paid_by_other_means`. - `visa.chargeback.processing_error.paid_by_other_means.other_form_of_payment_evidence` (enum, required) Other form of payment evidence. Cases: * `canceled_check` (Canceled check.) * `card_transaction` (Card transaction.) * `cash_receipt` (Cash receipt.) * `other` (Other.) * `statement` (Statement.) * `voucher` (Voucher.) - `visa.chargeback.processing_error.paid_by_other_means.other_transaction_id` (string, optional) Other transaction ID. - `visa.merchant_prearbitration_decline` (dictionary, optional) The merchant pre-arbitration decline details for the user submission. Required if and only if `category` is `merchant_prearbitration_decline`. - `visa.merchant_prearbitration_decline.reason` (string, required) The reason for declining the merchant's pre-arbitration request. - `visa.user_prearbitration` (dictionary, optional) The user pre-arbitration details for the user submission. Required if and only if `category` is `user_prearbitration`. - `visa.user_prearbitration.category_change` (dictionary, optional) Category change details for the pre-arbitration request. Should only be populated if the category of the dispute is being changed as part of the pre-arbitration request. - `visa.user_prearbitration.category_change.category` (enum, required) Cases: * `authorization` (Authorization.) * `consumer_canceled_merchandise` (Consumer: canceled merchandise.) * `consumer_canceled_recurring_transaction` (Consumer: canceled recurring transaction.) * `consumer_canceled_services` (Consumer: canceled services.) * `consumer_counterfeit_merchandise` (Consumer: counterfeit merchandise.) * `consumer_credit_not_processed` (Consumer: credit not processed.) * `consumer_damaged_or_defective_merchandise` (Consumer: damaged or defective merchandise.) * `consumer_merchandise_misrepresentation` (Consumer: merchandise misrepresentation.) * `consumer_merchandise_not_as_described` (Consumer: merchandise not as described.) * `consumer_merchandise_not_received` (Consumer: merchandise not received.) * `consumer_non_receipt_of_cash` (Consumer: non-receipt of cash.) * `consumer_original_credit_transaction_not_accepted` (Consumer: Original Credit Transaction (OCT) not accepted.) * `consumer_quality_merchandise` (Consumer: merchandise quality issue.) * `consumer_quality_services` (Consumer: services quality issue.) * `consumer_services_misrepresentation` (Consumer: services misrepresentation.) * `consumer_services_not_as_described` (Consumer: services not as described.) * `consumer_services_not_received` (Consumer: services not received.) * `fraud` (Fraud.) * `processing_error` (Processing error.) - `visa.user_prearbitration.category_change.reason` (string, required) The reason for the category change. - `visa.user_prearbitration.reason` (string, required) The reason for the pre-arbitration request. ## Withdraw a Card Dispute POST /card_disputes/{card_dispute_id}/withdraw ### Example ```curl curl -X "POST" \ --url "${INCREASE_URL}/card_disputes/card_dispute_h9sc95nbl1cgltpp7men/withdraw" \ -H "Authorization: Bearer ${INCREASE_API_KEY}" \ -H "Content-Type: application/json" \ -d $'{ "explanation": "The explanation for withdrawing the Card Dispute." }' ``` ### Path Parameters - `card_dispute_id` (string, required) The identifier of the Card Dispute to withdraw. ### Body Parameters - `explanation` (string, optional) The explanation for withdrawing the Card Dispute. ## Sandbox: Advance the state of a Card Dispute POST /simulations/card_disputes/{card_dispute_id}/action > After a [Card Dispute](#card-disputes) is created in production, the dispute will initially be in a `pending_user_submission_reviewing` state. Since no review or further action happens in sandbox, this endpoint simulates moving a Card Dispute through its various states. ### Example ```curl curl -X "POST" \ --url "${INCREASE_URL}/simulations/card_disputes/card_dispute_h9sc95nbl1cgltpp7men/action" \ -H "Authorization: Bearer ${INCREASE_API_KEY}" \ -H "Content-Type: application/json" \ -d $'{ "network": "visa", "visa": { "accept_user_submission": {}, "action": "accept_user_submission" } }' ``` ### Path Parameters - `card_dispute_id` (string, required) The dispute you would like to action. ### Body Parameters - `network` (enum, required) The network of the Card Dispute. Details specific to the network are required under the sub-object with the same identifier as the network. Cases: * `visa` (Visa) - `visa` (dictionary, optional) The Visa-specific parameters for the taking action on the dispute. Required if and only if `network` is `visa`. - `visa.accept_chargeback` (dictionary, optional) The parameters for accepting the chargeback. Required if and only if `action` is `accept_chargeback`. - `visa.accept_user_submission` (dictionary, optional) The parameters for accepting the user submission. Required if and only if `action` is `accept_user_submission`. - `visa.action` (enum, required) The action to take. Details specific to the action are required under the sub-object with the same identifier as the action. Cases: * `accept_chargeback` (Simulate the merchant accepting the chargeback. This will move the dispute to a `won` state.) * `accept_user_submission` (Accept the user's submission and transmit it to the network. This will move the dispute to a `pending_response` state.) * `decline_user_prearbitration` (Simulate the merchant declining the user's pre-arbitration. This will move the dispute to a `lost` state.) * `receive_merchant_prearbitration` (Simulate the merchant issuing pre-arbitration. This will move the dispute to a `user_submission_required` state.) * `represent` (Simulate the merchant re-presenting the dispute. This will move the dispute to a `user_submission_required` state.) * `request_further_information` (Simulate further information being requested from the user. This will move the dispute to a `user_submission_required` state.) * `time_out_chargeback` (Simulate the merchant timing out responding to the chargeback. This will move the dispute to a `won` state.) * `time_out_merchant_prearbitration` (Simulate the user timing out responding to a merchant pre-arbitration. This will move the dispute to a `lost` state.) * `time_out_representment` (Simulate the user timing out responding to a merchant re-presentment. This will move the dispute to a `lost` state.) * `time_out_user_prearbitration` (Simulate the merchant timing out responding to a user pre-arbitration. This will move the dispute to a `win` state.) - `visa.decline_user_prearbitration` (dictionary, optional) The parameters for declining the prearbitration. Required if and only if `action` is `decline_user_prearbitration`. - `visa.receive_merchant_prearbitration` (dictionary, optional) The parameters for receiving the prearbitration. Required if and only if `action` is `receive_merchant_prearbitration`. - `visa.represent` (dictionary, optional) The parameters for re-presenting the dispute. Required if and only if `action` is `represent`. - `visa.request_further_information` (dictionary, optional) The parameters for requesting further information from the user. Required if and only if `action` is `request_further_information`. - `visa.request_further_information.reason` (string, required) The reason for requesting further information from the user. - `visa.time_out_chargeback` (dictionary, optional) The parameters for timing out the chargeback. Required if and only if `action` is `time_out_chargeback`. - `visa.time_out_merchant_prearbitration` (dictionary, optional) The parameters for timing out the merchant prearbitration. Required if and only if `action` is `time_out_merchant_prearbitration`. - `visa.time_out_representment` (dictionary, optional) The parameters for timing out the re-presentment. Required if and only if `action` is `time_out_representment`. - `visa.time_out_user_prearbitration` (dictionary, optional) The parameters for timing out the user prearbitration. Required if and only if `action` is `time_out_user_prearbitration`.