# Card dispute webhook payload object

The card dispute webhook payload is the `data` of the `issuing.card_dispute.created` and `issuing.card_dispute.updated` webhooks. It contains the card dispute and the dispute event that triggered the webhook. Read more about [card dispute events](/working-with-the-api/events-and-webhooks#card-dispute-events).

### Object Parameters

- `card_dispute` `object` — The card dispute at the time the webhook fired, including its events and evidence. See [Card dispute object](/api/card-dispute/card-dispute-object).
- `latest_card_dispute_event` `object` — The dispute event that triggered this webhook. Omitted when the change was not caused by a new dispute event, for example when the dispute is submitted or evidence is added.
  - `cardholder_name_and_address_mismatch` `boolean` — The certification recorded with a response to a compelling-evidence pre-arbitration: whether the cardholder name and address the acquirer presented do not match your records.
  - `compelling_evidence_reviewed_with_cardholder` `boolean` — The certification recorded with a response to a compelling-evidence pre-arbitration: whether you contacted the cardholder, reviewed the acquirer's compelling evidence with them, and the cardholder continues to dispute the transaction.
  - `created_at` `date-time` — When the event was created
  - `evidence_document_id` `string` — The evidence document ID
  - `evidence_narrative` `string` — The evidence narrative
  - `id` `string` — The ID of the dispute event
  - `linked_transaction_event_id` `string` — The linked transaction event ID
  - `response_action` `object` — The response intent recorded when this event was created. Includes recall, which is an internal close action and never accepted on POST /respond.
  - `response_amount` `number` — Accepted-liability amount recorded for an `accept_partial` response, in smallest currency unit of the parent dispute's currency.
  - `stage` `enum` — The stage of this event
    Possible values: `initiated`, `disputed`, `merchant_responded`, `merchant_response_recalled`, `prearbitration`, `prearbitration_responded`, `arbitration`, `dispute_won`, `dispute_close`

**Response 200**

```json
{
  "card_dispute": {
    "allowed_close_resolutions": [
      "accept_cardholder_claim"
    ],
    "allowed_response_actions": [
      "accept"
    ],
    "amount": 10000,
    "card_account_id": "cacc_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
    "card_program_id": "cpgm_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
    "card_transaction_id": "ctxn_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
    "compelling_evidence_certification_required": false,
    "created_at": "2024-01-15T09:30:00Z",
    "currency": "USD",
    "events": [
      {
        "cardholder_name_and_address_mismatch": false,
        "compelling_evidence_reviewed_with_cardholder": false,
        "created_at": "2024-01-15T09:30:00Z",
        "evidence_document_id": "docu_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
        "evidence_narrative": null,
        "id": "cdse_2x8gszy5folpA9s0TOCseE9ABDM",
        "linked_transaction_event_id": "ctxe_2x8gszy5folpA9s0TOCseE9ABDM",
        "response_action": null,
        "response_amount": 10000,
        "stage": "initiated"
      }
    ],
    "evidence": [
      {
        "card_dispute_event_id": "cdse_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
        "created_at": "2024-01-15T09:30:00Z",
        "direction": "outbound",
        "document_id": "docu_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
        "evidence_type": "cardholder_letter",
        "id": "cdev_2x8gszy5folpA9s0TOCseE9ABDM",
        "narrative": "The cardholder did not authorize this transaction and still has the card.",
        "submitted_at": "2024-01-15T09:30:00Z"
      }
    ],
    "id": "cdsp_2x8gszy5folpA9s0TOCseE9ABDM",
    "last_network_sync_at": "2024-01-15T09:30:00Z",
    "next_actions": [
      "submit"
    ],
    "platform_id": "plat_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
    "provisional_credit": false,
    "reason": "fraud",
    "reason_details": {
      "canceled_merchandise_or_services": {
        "attempted_return_date": "2024-01-15",
        "canceled_before_shipping": false,
        "cancellation_date": "2024-01-15",
        "cancellation_method": "The cardholder canceled by email to the merchant's support address.",
        "cancellation_policy_provided": false,
        "cardholder_attempted_resolution": false,
        "cardholder_attempted_return": false,
        "cardholder_canceled": false,
        "cardholder_received_merchandise": false,
        "cardholder_returned_merchandise": false,
        "guaranteed_reservation_certification": "properly_canceled",
        "merchandise_disposition": "The cardholder still has the merchandise and can return it on request.",
        "merchandise_or_services": "merchandise",
        "merchant_accepted_cancellation": false,
        "merchant_received_return_date": "2024-01-15",
        "merchant_return_refusal_reason": "refused_return_authorization",
        "order_details": "A pair of running shoes ordered from the merchant's website.",
        "received_or_expected_date": "2024-01-15",
        "resolution_prohibited_by_local_law": false,
        "return_attempt_details": "The cardholder requested a return label, but the merchant did not respond.",
        "return_method": "face_to_face",
        "return_method_details": "The cardholder dropped the merchandise off at the merchant's retail store.",
        "return_tracking_number": "1Z999AA10123456784",
        "returned_date": "2024-01-15",
        "service_date": "2024-01-15",
        "service_type": "timeshare",
        "timeshare_date": "2024-01-15"
      },
      "canceled_recurring_transaction": {
        "account_closure_date": "2024-01-15",
        "cancellation_date": "2024-01-15",
        "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_methods": [
          "email"
        ],
        "merchant_contact_phone_number": "+14155550123",
        "merchant_contact_physical_address": "101 Market St"
      },
      "counterfeit_merchandise": {
        "counterfeit_details": "The brand's authentication service confirmed the item is not genuine.",
        "counterfeit_discovered_date": "2024-01-15",
        "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": {
        "canceled_or_returned_date": "2024-01-15",
        "credit_voucher_date": "2024-01-15",
        "credit_voucher_dated": false,
        "late_credit_explanation": "The merchant delayed the credit while negotiating a partial refund with the cardholder."
      },
      "damaged_or_defective_merchandise": {
        "attempted_return_date": "2024-01-15",
        "cardholder_attempted_resolution": false,
        "cardholder_attempted_return": false,
        "cardholder_first_notified_issuer_date": "2024-01-15",
        "cardholder_returned_merchandise": false,
        "merchandise_disposition": "The cardholder still has the merchandise and can return it on request.",
        "merchant_received_return_date": "2024-01-15",
        "merchant_return_refusal_reason": "refused_return_authorization",
        "negotiation_details": "The cardholder emailed the merchant twice asking for a refund and received no response.",
        "negotiation_start_date": "2024-01-15",
        "order_details": "A pair of running shoes ordered from the merchant's website.",
        "previous_negotiation_evidence": false,
        "received_date": "2024-01-15",
        "resolution_prohibited_by_local_law": false,
        "return_attempt_details": "The cardholder requested a return label, but the merchant did not respond.",
        "return_method": "face_to_face",
        "return_method_details": "The cardholder dropped the merchandise off at the merchant's retail store.",
        "return_tracking_number": "1Z999AA10123456784",
        "returned_date": "2024-01-15"
      },
      "duplicate_processing": {
        "merchant_passed_on_funds_evidence": false,
        "other_acquirer_reference_number": "REF-2024-001",
        "other_card_transaction_id": "ctxn_3y9htaz6gomqB0t1UPDtfF0BCEN",
        "other_network_transaction_id": "305123456789012",
        "other_payment_proof": "acquirer_reference_number",
        "other_transaction_on_different_card": false,
        "other_transaction_on_same_card": false,
        "other_transaction_paid_by_other_means": false
      },
      "fraud": {
        "card_mailed_date": "2024-01-15",
        "card_mailed_postal_code": "94107",
        "fraud_type": "lost",
        "pin_preferring_card": false
      },
      "incorrect_account_number": {
        "receipt_account_number_matches": false
      },
      "incorrect_amount": {
        "cardholder_receipt_amount": 10000,
        "quoted_price_difference": false
      },
      "incorrect_currency": {
        "cardholder_did_not_agree_to_dcc": false,
        "correct_currency": "USD",
        "currency_error": "currency_difference"
      },
      "incorrect_transaction_code": {
        "credit_card_transaction_id": "ctxn_3y9htaz6gomqB0t1UPDtfF0BCEN",
        "credit_error_explanation": "The merchant processed a credit instead of reversing the original charge.",
        "transaction_code_error": "credit_instead_of_reversal"
      },
      "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": {
        "attempted_return_date": "2024-01-15",
        "cancellation_date": "2024-01-15",
        "cancellation_method": "The cardholder canceled by email to the merchant's support address.",
        "cardholder_attempted_resolution": false,
        "cardholder_attempted_return": false,
        "cardholder_canceled": false,
        "cardholder_returned_merchandise": false,
        "commercial_virtual_account": false,
        "delivered_late": false,
        "delivered_to_wrong_location": false,
        "dispute_before_expected_date_explanation": "The merchant confirmed the order was canceled and will not ship.",
        "expected_receipt_date": "2024-01-15",
        "late_delivery_details": "The merchandise was delivered three weeks after the agreed delivery date.",
        "merchandise_or_services": "merchandise",
        "merchant_canceled": false,
        "merchant_cancellation_date": "2024-01-15",
        "merchant_insolvent": false,
        "merchant_received_return_date": "2024-01-15",
        "non_fiat_currency_not_delivered": false,
        "order_details": "A pair of running shoes ordered from the merchant's website.",
        "resolution_prohibited_by_local_law": false,
        "returned_date": "2024-01-15",
        "third_party_gift_card": false,
        "virtual_account_financial_loss": false
      },
      "misrepresentation": {
        "attempted_return_date": "2024-01-15",
        "cancellation_date": "2024-01-15",
        "cancellation_method": "The cardholder canceled by email to the merchant's support address.",
        "cardholder_attempted_resolution": false,
        "cardholder_attempted_return": false,
        "cardholder_canceled": false,
        "cardholder_first_notified_issuer_date": "2024-01-15",
        "cardholder_returned_merchandise": false,
        "merchandise_or_services": "merchandise",
        "merchant_received_return_date": "2024-01-15",
        "merchant_return_refusal_reason": "refused_return_authorization",
        "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.",
        "negotiation_start_date": "2024-01-15",
        "order_details": "A pair of running shoes ordered from the merchant's website.",
        "previous_negotiation_evidence": false,
        "received_date": "2024-01-15",
        "resolution_prohibited_by_local_law": false,
        "return_attempt_details": "The cardholder requested a return label, but the merchant did not respond.",
        "return_method": "face_to_face",
        "return_method_details": "The cardholder dropped the merchandise off at the merchant's retail store.",
        "return_tracking_number": "1Z999AA10123456784",
        "returned_date": "2024-01-15"
      },
      "no_authorization": {
        "account_status": "account_closed"
      },
      "not_as_described": {
        "attempted_return_date": "2024-01-15",
        "cancellation_date": "2024-01-15",
        "cancellation_method": "The cardholder canceled by email to the merchant's support address.",
        "cardholder_attempted_resolution": false,
        "cardholder_attempted_return": false,
        "cardholder_canceled": false,
        "cardholder_first_notified_issuer_date": "2024-01-15",
        "cardholder_returned_merchandise": false,
        "food_quality_issue": false,
        "merchandise_disposition": "The cardholder still has the merchandise and can return it on request.",
        "merchandise_or_services": "merchandise",
        "merchant_accepted_cancellation": false,
        "merchant_received_return_date": "2024-01-15",
        "merchant_return_refusal_reason": "refused_return_authorization",
        "negotiation_details": "The cardholder emailed the merchant twice asking for a refund and received no response.",
        "negotiation_start_date": "2024-01-15",
        "non_fiat_currency_not_as_described": false,
        "order_details": "A pair of running shoes ordered from the merchant's website.",
        "previous_negotiation_evidence": false,
        "received_date": "2024-01-15",
        "resolution_prohibited_by_local_law": false,
        "return_attempt_details": "The cardholder requested a return label, but the merchant did not respond.",
        "return_method": "face_to_face",
        "return_method_details": "The cardholder dropped the merchandise off at the merchant's retail store.",
        "return_tracking_number": "1Z999AA10123456784",
        "returned_date": "2024-01-15"
      },
      "original_credit_not_accepted": {
        "explanation": "The recipient's account was closed before the original credit arrived.",
        "not_accepted_reason": "recipient_refused"
      },
      "paid_by_other_means": {
        "cardholder_attempted_resolution": false,
        "merchant_passed_on_funds_evidence": false,
        "other_acquirer_reference_number": "REF-2024-001",
        "other_card_transaction_id": "ctxn_3y9htaz6gomqB0t1UPDtfF0BCEN",
        "other_network_transaction_id": "305123456789012",
        "other_payment_proof": "acquirer_reference_number",
        "other_transaction_on_different_card": false,
        "other_transaction_on_same_card": false,
        "other_transaction_paid_by_other_means": false,
        "resolution_prohibited_by_local_law": false
      },
      "quality_of_merchandise_or_services": {
        "attempted_return_date": "2024-01-15",
        "cancellation_date": "2024-01-15",
        "cancellation_method": "The cardholder canceled by email to the merchant's support address.",
        "cardholder_attempted_resolution": false,
        "cardholder_attempted_return": false,
        "cardholder_canceled": false,
        "cardholder_first_notified_issuer_date": "2024-01-15",
        "cardholder_paid_for_work_redone": false,
        "cardholder_returned_merchandise": false,
        "food_quality_issue": false,
        "merchandise_disposition": "The cardholder still has the merchandise and can return it on request.",
        "merchandise_or_services": "merchandise",
        "merchant_accepted_cancellation": false,
        "merchant_received_return_date": "2024-01-15",
        "merchant_return_refusal_reason": "refused_return_authorization",
        "negotiation_details": "The cardholder emailed the merchant twice asking for a refund and received no response.",
        "negotiation_start_date": "2024-01-15",
        "non_fiat_currency_not_as_described": false,
        "order_details": "A pair of running shoes ordered from the merchant's website.",
        "previous_negotiation_evidence": false,
        "received_date": "2024-01-15",
        "resolution_prohibited_by_local_law": false,
        "return_attempt_details": "The cardholder requested a return label, but the merchant did not respond.",
        "return_method": "face_to_face",
        "return_method_details": "The cardholder dropped the merchandise off at the merchant's retail store.",
        "return_tracking_number": "1Z999AA10123456784",
        "returned_date": "2024-01-15"
      },
      "terms_of_contract": {
        "received_date": "2024-01-15",
        "terms_not_honored_details": "The merchant did not deliver the services within the timeframe in the contract."
      }
    },
    "reason_for_partial_dispute": null,
    "requested_resolution": "accept_cardholder_claim",
    "resolution_reason": null,
    "respond_by": "2024-01-15",
    "stage": "disputed",
    "status": "open",
    "submission_error": null,
    "submission_status": "submitted",
    "submitted_at": "2024-01-15T09:30:00Z",
    "updated_at": "2024-01-15T09:30:00Z",
    "workflow": "collaboration"
  },
  "latest_card_dispute_event": {
    "cardholder_name_and_address_mismatch": false,
    "compelling_evidence_reviewed_with_cardholder": false,
    "created_at": "2024-01-15T09:30:00Z",
    "evidence_document_id": "docu_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
    "evidence_narrative": null,
    "id": "cdse_2x8gszy5folpA9s0TOCseE9ABDM",
    "linked_transaction_event_id": "ctxe_2x8gszy5folpA9s0TOCseE9ABDM",
    "response_action": null,
    "response_amount": 10000,
    "stage": "initiated"
  }
}
```