Cards

Check card dispute eligibility

Check whether a card transaction can be disputed without creating a dispute.

post/issuing/card-dispute-eligibility

Request

  • Base URL: https://api.column.com
  • URL: https://api.column.com/issuing/card-dispute-eligibility
  • Auth: HTTP basic

Request body

amountinteger required

The dispute amount in smallest currency unit.

card_transaction_idstring required

The ID of the card transaction to dispute.

cardholder_narrativestring

Cardholder-provided narrative for the dispute.

currencystring required

The cardholder billing currency.

evidence_document_idsstring[]

Legacy document IDs to use as evidence, uploaded via POST /issuing/card-disputes/documents. Documents uploaded via POST /documents are rejected.

reason'fraud' | 'no_authorization' | 'incorrect_amount' | 'incorrect_account_number' | 'merchandise_services_not_received' | 'canceled_recurring_transaction' | 'not_as_described' | 'counterfeit_merchandise' | 'misrepresentation' | 'credit_not_processed' | 'non_receipt_cash_at_atm' | 'other' | 'duplicate_processing' | 'paid_by_other_means' | 'incorrect_currency' | 'incorrect_transaction_code' | 'invalid_data' | 'canceled_merchandise_or_services' | 'damaged_or_defective_merchandise' | 'quality_of_merchandise_or_services' | 'original_credit_not_accepted' | 'terms_of_contract' required

The reason for a card dispute, which selects the Visa dispute condition Column files: fraud (10), no_authorization (11), incorrect_transaction_code (12.2), incorrect_currency (12.3), incorrect_account_number (12.4), incorrect_amount (12.5), duplicate_processing (12.6.1), paid_by_other_means (12.6.2), invalid_data (12.7), merchandise_services_not_received (13.1), canceled_recurring_transaction (13.2), not_as_described (13.3), damaged_or_defective_merchandise (13.3), quality_of_merchandise_or_services (13.3), terms_of_contract (13.3, Visa Commercial Card Virtual Account transactions), counterfeit_merchandise (13.4), misrepresentation (13.5), credit_not_processed (13.6), canceled_merchandise_or_services (13.7), original_credit_not_accepted (13.8) and non_receipt_cash_at_atm (13.9). other has no Visa dispute condition and is not filed with the network.

reason_for_partial_disputestring

Reason the cardholder is disputing less than the full transaction amount. Required for the dispute to be eligible when amount is less than the transaction amount, except for incorrect_amount disputes, which are partial by nature. Without it, eligibility reports missing_required_evidence.

Example request

{
  "reason_details": {
    "canceled_merchandise_or_services": {
      "cancellation_method": "The cardholder canceled by email to the merchant's support address.",
      "merchandise_disposition": "The cardholder still has the merchandise and can return it on request.",
      "order_details": "A pair of running shoes ordered from the merchant's website.",
      "return_attempt_details": "The cardholder requested a return label, but the merchant did not respond.",
      "return_method_details": "The cardholder dropped the merchandise off at the merchant's retail store.",
      "return_tracking_number": "1Z999AA10123456784"
    },
    "canceled_recurring_transaction": {
      "cancellation_method": "The cardholder canceled by email to the merchant's support address.",
      "merchant_contact_application_name": "Acme Support Chat",
      "merchant_contact_email_address": "support@example.com",
      "merchant_contact_phone_number": "+14155550123"
    },
    "counterfeit_merchandise": {
      "counterfeit_details": "The brand's authentication service confirmed the item is not genuine.",
      "merchandise_disposition": "The cardholder still has the merchandise and can return it on request.",
      "order_details": "A pair of running shoes ordered from the merchant's website."
    },
    "credit_not_processed": {
      "late_credit_explanation": "The merchant delayed the credit while negotiating a partial refund with the cardholder."
    },
    "damaged_or_defective_merchandise": {
      "merchandise_disposition": "The cardholder still has the merchandise and can return it on request.",
      "negotiation_details": "The cardholder emailed the merchant twice asking for a refund and received no response.",
      "order_details": "A pair of running shoes ordered from the merchant's website.",
      "return_attempt_details": "The cardholder requested a return label, but the merchant did not respond.",
      "return_method_details": "The cardholder dropped the merchandise off at the merchant's retail store.",
      "return_tracking_number": "1Z999AA10123456784"
    },
    "duplicate_processing": {
      "other_card_transaction_id": "ctxn_3y9htaz6gomqB0t1UPDtfF0BCEN",
      "other_network_transaction_id": "305123456789012"
    },
    "fraud": {
      "card_mailed_postal_code": "94107"
    },
    "incorrect_currency": {
      "correct_currency": "USD"
    },
    "incorrect_transaction_code": {
      "credit_card_transaction_id": "ctxn_3y9htaz6gomqB0t1UPDtfF0BCEN",
      "credit_error_explanation": "The merchant processed a credit instead of reversing the original charge."
    },
    "invalid_data": {
      "authorization_decline_explanation": "The card had expired, so an authorization request with the correct expiration date would have been declined."
    },
    "merchandise_services_not_received": {
      "cancellation_method": "The cardholder canceled by email to the merchant's support address.",
      "dispute_before_expected_date_explanation": "The merchant confirmed the order was canceled and will not ship.",
      "late_delivery_details": "The merchandise was delivered three weeks after the agreed delivery date.",
      "order_details": "A pair of running shoes ordered from the merchant's website."
    },
    "misrepresentation": {
      "cancellation_method": "The cardholder canceled by email to the merchant's support address.",
      "misrepresentation_details": "The merchant advertised the jacket as waterproof, but it is not.",
      "negotiation_details": "The cardholder emailed the merchant twice asking for a refund and received no response.",
      "order_details": "A pair of running shoes ordered from the merchant's website.",
      "return_attempt_details": "The cardholder requested a return label, but the merchant did not respond.",
      "return_method_details": "The cardholder dropped the merchandise off at the merchant's retail store.",
      "return_tracking_number": "1Z999AA10123456784"
    },
    "not_as_described": {
      "cancellation_method": "The cardholder canceled by email to the merchant's support address.",
      "merchandise_disposition": "The cardholder still has the merchandise and can return it on request.",
      "negotiation_details": "The cardholder emailed the merchant twice asking for a refund and received no response.",
      "order_details": "A pair of running shoes ordered from the merchant's website.",
      "return_attempt_details": "The cardholder requested a return label, but the merchant did not respond.",
      "return_method_details": "The cardholder dropped the merchandise off at the merchant's retail store.",
      "return_tracking_number": "1Z999AA10123456784"
    },
    "original_credit_not_accepted": {
      "explanation": "The recipient's account was closed before the original credit arrived."
    },
    "paid_by_other_means": {
      "other_card_transaction_id": "ctxn_3y9htaz6gomqB0t1UPDtfF0BCEN",
      "other_network_transaction_id": "305123456789012"
    },
    "quality_of_merchandise_or_services": {
      "cancellation_method": "The cardholder canceled by email to the merchant's support address.",
      "merchandise_disposition": "The cardholder still has the merchandise and can return it on request.",
      "negotiation_details": "The cardholder emailed the merchant twice asking for a refund and received no response.",
      "order_details": "A pair of running shoes ordered from the merchant's website.",
      "return_attempt_details": "The cardholder requested a return label, but the merchant did not respond.",
      "return_method_details": "The cardholder dropped the merchandise off at the merchant's retail store.",
      "return_tracking_number": "1Z999AA10123456784"
    },
    "terms_of_contract": {
      "terms_not_honored_details": "The merchant did not deliver the services within the timeframe in the contract."
    }
  }
}

Response

Successful response

amountinteger required

The requested dispute amount in smallest currency unit.

card_transaction_idstring required

The ID of the card transaction checked.

currencystring required

The requested dispute currency.

eligibleboolean required

Whether the transaction is eligible for dispute creation.

existing_card_dispute_idstring nullable required

Existing active card dispute ID for this transaction, if present.

max_amountinteger required

The maximum currently disputable amount in smallest currency unit.

reasonsCardDisputeEligibilityReason[] required

Reasons the transaction is not eligible.

Changes

No recorded changes to this operation across all 1 revision of this API.