Disputes

Open a dispute when a cardholder does not recognise a transaction, was charged twice or did not receive what they paid for. Only settled transactions can be disputed.

curl https://api.pointzero.io/v1/disputes \
  -H "Authorization: Bearer $POINTZERO_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: $(uuidgen)" \
  -d '{
    "transaction_id": "txn_01JZ8P7H2R",
    "reason": "goods_not_received",
    "evidence": { "description": "Order placed on 12 September, never delivered." }
  }'

Leave out amount to dispute the full transaction.

Status	Meaning
`open`	Created, not yet sent to the network.
`under_review`	Being reviewed by the network and the merchant.
`won`	Resolved in the cardholder’s favour.
`lost`	Resolved in the merchant’s favour.
`withdrawn`	Closed by you.

Card networks set deadlines for opening disputes, usually 120 days from the transaction date.

Get Started

API Basics

Card Issuing