A dispute occurs when a cardholder formally questions the validity of a payment by raising a complaint to their card issuer. If the dispute is successful, the card issuer will process a chargeback, reversing the payment so the cardholder can get their money back.

Note that a dispute is different from a refund, since disputes involve raising a complaint to the card issuer, while refunds involve raising an issue with the merchant.

How Moov handles disputes

Moov manages chargebacks directly with the card networks, so there’s no specific action our customers need to take. The chargeback amount can be either a portion of the original transfer, or the full amount of a transfer. Once we receive chargeback details from the card network, we process the chargeback by debiting the merchant’s Moov wallet.

Notifications for disputes

You can receive notifications on disputes through the dispute.created webhook event. Subscribing to that event will let you know the disputes was created and completed. Note that even if a transfer has a dispute, its overall transfer status will remain complete.

Viewing dispute information

If a transfer has been disputed, you can see information about the dispute on the transfer object for the original transferID in question. The dispute will have the following data:

	"disputeID": "uuid", 
	"networkReasonCode": "10.3", 
	"transfer": {
		"transferID": "",