# Check card dispute eligibility

**POST** `/issuing/card-dispute-eligibility`

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

### Body Parameters

- `amount` `number` _(required)_ — The dispute amount in smallest currency unit.
- `card_transaction_id` `string` _(required)_ — The ID of the card transaction to dispute.
- `cardholder_narrative` `string` — Cardholder-provided narrative for the dispute.
- `currency` `string` _(required)_ — The cardholder billing currency.
- `evidence` `array of objects` — Uploaded document evidence with normalized evidence types. An uploaded document is required for `counterfeit_merchandise`, `incorrect_amount` and `credit_not_processed` disputes, and for `duplicate_processing` and `paid_by_other_means` disputes whose payment proof is a document. A `cardholder_letter` document is required once the card already has two submitted disputes of the same reason against the same merchant within 30 days, for `merchandise_services_not_received` and `non_receipt_cash_at_atm`.
  - `document_id` `string` _(required)_ — The ID of a document uploaded via `POST /issuing/card-disputes/documents`. Documents uploaded via `POST /documents` are rejected.
  - `evidence_type` `enum` _(required)_ — Normalized document evidence type.
    Possible values: `cardholder_letter`, `merchant_letter`, `sales_draft`, `te_folio`, `credit_voucher`, `shipping_receipt`, `proof_of_delivery`, `bank_statement`, `cancelled_check`, `second_opinion`, `fulfillment`, `authorization_record`, `network_document`, `updated_cardholder_letter`, `updated_merchant_letter`, `affidavit_of_fraud`, `other`, `network_exhibit`, `issuer_certification`, `transaction_receipt`
- `evidence_document_ids` `array of strings` — Legacy document IDs to use as evidence, uploaded via `POST /issuing/card-disputes/documents`. Documents uploaded via `POST /documents` are rejected.
- `reason` `enum` _(required)_ — The reason for the dispute.
  Possible values: `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`
- `reason_details` `object` — Normalized reason-specific details for the dispute.
  - `canceled_merchandise_or_services` `object` — Details required for canceled-merchandise-or-services disputes.
    - `attempted_return_date` `string` — When did the cardholder attempt to return the merchandise? Required when a return was attempted.
    - `canceled_before_shipping` `boolean` — Did the cardholder cancel before the merchandise shipped? Required when the cardholder canceled merchandise that was received.
    - `cancellation_date` `string` — When did the cardholder cancel? Required when the cardholder canceled `timeshare` or `other` services, canceled merchandise that was not received, or canceled merchandise before it shipped, and for `properly_canceled` and `attempted_cancellation_within_24_hours` guaranteed reservations.
    - `cancellation_method` `string` — How and why did the cardholder cancel? Required when the cardholder canceled `timeshare` or `other` services, canceled merchandise that was not received, or canceled merchandise before it shipped.
    - `cancellation_policy_provided` `boolean` — Was a cancellation policy provided? Required for merchandise that was not received or was canceled before it shipped, for `guaranteed_reservation` services, and for `timeshare` services canceled more than 14 days after `timeshare_date`.
    - `cardholder_attempted_resolution` `boolean` — Did the cardholder attempt to resolve the dispute with the merchant? Required.
    - `cardholder_attempted_return` `boolean` — Did the cardholder attempt to return the merchandise? Required when the merchandise was not returned.
    - `cardholder_canceled` `boolean` — Did the cardholder cancel? Required for merchandise that was not received and for `timeshare` and `other` services, optional for merchandise that was received, and not used for `guaranteed_reservation` services. Must be `true` for `other` services.
    - `cardholder_received_merchandise` `boolean` — Did the cardholder receive the merchandise? Required for merchandise.
    - `cardholder_returned_merchandise` `boolean` — Did the cardholder return the merchandise? Required when `cardholder_received_merchandise` is `true`.
    - `guaranteed_reservation_certification` `enum` — What does the cardholder certify about the guaranteed reservation? Required for `guaranteed_reservation` services.
      Possible values: `properly_canceled`, `attempted_cancellation_within_24_hours`, `no_show_billed_for_more_than_one_day`
    - `merchandise_disposition` `string` — What is the current disposition of the merchandise? Required when a return was attempted.
    - `merchandise_or_services` `enum` — Was the canceled purchase merchandise or services? Required.
      Possible values: `merchandise`, `services`
    - `merchant_accepted_cancellation` `boolean` — Did the merchant accept the cancellation? Required when the cardholder canceled `timeshare` or `other` services, or canceled merchandise before it shipped, no more than 15 days before submission.
    - `merchant_received_return_date` `string` — When did the merchant receive the returned merchandise? Required when the merchandise was returned.
    - `merchant_return_refusal_reason` `enum` — Why did the merchant not provide or accept a merchandise return? Required when a return was attempted. Must be `refused_return_authorization`, `refused_accept_returned_merchandise` or `advised_not_to_return`.
      Possible values: `refused_return_authorization`, `refused_accept_returned_merchandise`, `advised_not_to_return`, `no_longer_exists_or_not_responding`, `did_not_provide_clear_return_instructions`
    - `order_details` `string` — What did the cardholder purchase? Required for merchandise and for `other` services.
    - `received_or_expected_date` `string` — When did the cardholder receive the merchandise, or when did they expect to receive it? Required for merchandise.
    - `resolution_prohibited_by_local_law` `boolean` — Is an attempt to resolve the dispute with the merchant prohibited by local law or regulations? Required when `cardholder_attempted_resolution` is `false`. Must be `true`: Visa does not accept a dispute where the cardholder neither attempted resolution nor was prohibited from doing so.
    - `return_attempt_details` `string` — How did the cardholder attempt to return the merchandise? Required when a return was attempted.
    - `return_method` `enum` — How was the merchandise returned? Required when the merchandise was returned.
      Possible values: `face_to_face`, `fedex`, `dhl`, `ups`, `postal_service`, `other`
    - `return_method_details` `string` — How was the merchandise returned, when `return_method` is `other`? Required in that case.
    - `return_tracking_number` `string` — What is the shipment's tracking number? Optional. Sent to the network only when `return_method` is `fedex`, `dhl`, `ups`, `postal_service` or `other`.
    - `returned_date` `string` — When did the cardholder return the merchandise? Required when the merchandise was returned.
    - `service_date` `string` — When was the service provided, or when was it expected to be? Required for `guaranteed_reservation` and `other` services.
    - `service_type` `enum` — What type of service was canceled? Required for services.
      Possible values: `timeshare`, `guaranteed_reservation`, `other`
    - `timeshare_date` `string` — What is the date of the timeshare, or the date the contract or related documents were received? Required for `timeshare` services.
  - `canceled_recurring_transaction` `object` — Details required for canceled-recurring-transaction disputes.
    - `account_closure_date` `string` — The date the issuer informed the merchant that the account was closed. Provide either this or `cancellation_date`, not both. When provided, `cancellation_method`, `merchant_contact_methods` and the merchant contact details are not required.
    - `cancellation_date` `string` — The date the cardholder canceled the recurring agreement with the merchant. Required unless `account_closure_date` is provided; the two cannot be combined.
    - `cancellation_method` `string` — How the cardholder canceled the recurring agreement with the merchant. Required when `cancellation_date` is provided.
    - `merchant_contact_application_name` `string` — The name of the app or website through which the cardholder reached the merchant. Required when `merchant_contact_methods` includes `webform`.
    - `merchant_contact_email_address` `string` — The email address the cardholder used to reach the merchant. Required when `merchant_contact_methods` includes `email`.
    - `merchant_contact_methods` `array of enums` — The channels the cardholder used to contact the merchant when canceling. At least one is required when `cancellation_date` is provided: Visa rejects a canceled-recurring-transaction dispute that asserts the cardholder contacted the merchant without naming a channel.
      Possible values: `email`, `call_center`, `mail`, `sms`, `in_person`, `webform`
    - `merchant_contact_phone_number` `string` — The phone number the cardholder used to reach the merchant. Required when `merchant_contact_methods` includes `call_center` or `sms`.
    - `merchant_contact_physical_address` `string` — The address at which the cardholder reached the merchant. Required when `merchant_contact_methods` includes `mail` or `in_person`.
  - `counterfeit_merchandise` `object` — Details required for counterfeit-merchandise disputes.
    - `counterfeit_details` `string` — How the cardholder determined the merchandise was counterfeit. Required.
    - `counterfeit_discovered_date` `string` — The date the cardholder discovered the merchandise was counterfeit. Required.
    - `merchandise_disposition` `string` — Current disposition of the counterfeit merchandise. Required.
    - `order_details` `string` — What the cardholder ordered. Required.
  - `credit_not_processed` `object` — Details required for credit-not-processed disputes.
    - `canceled_or_returned_date` `string` — The date the cardholder canceled the service or returned the merchandise. Required when `credit_voucher_dated` is `false`.
    - `credit_voucher_date` `string` — The date the merchant issued the credit voucher or transaction receipt that was never processed. Required unless `credit_voucher_dated` is `false`, in which case it is ignored.
    - `credit_voucher_dated` `boolean` — Is the credit voucher, transaction receipt or refund acknowledgement dated? Defaults to `true` when omitted.
    - `late_credit_explanation` `string` — Why was the credit issued late, and what are the details of the ongoing negotiations between the cardholder and the merchant? Required when `credit_voucher_date` (or `canceled_or_returned_date` for an undated voucher) is more than 113 days after the transaction was processed. Sent to the network only once that gap exceeds 120 days.
  - `damaged_or_defective_merchandise` `object` — Details required for damaged-or-defective-merchandise disputes.
    - `attempted_return_date` `string` — When did the cardholder attempt to return the merchandise? Required when a return was attempted.
    - `cardholder_attempted_resolution` `boolean` — Did the cardholder attempt to resolve the dispute with the merchant? Required.
    - `cardholder_attempted_return` `boolean` — Did the cardholder attempt to return the merchandise? Required when the merchandise was not returned.
    - `cardholder_first_notified_issuer_date` `string` — When did the cardholder first notify the issuer of the dispute? Required when `previous_negotiation_evidence` is `true`.
    - `cardholder_returned_merchandise` `boolean` — Did the cardholder return the merchandise? Required.
    - `merchandise_disposition` `string` — What is the current disposition of the merchandise? Required when a return was attempted.
    - `merchant_received_return_date` `string` — When did the merchant receive the returned merchandise? Required when the merchandise was returned.
    - `merchant_return_refusal_reason` `enum` — Why did the merchant not provide or accept a merchandise return? Required when a return was attempted.
      Possible values: `refused_return_authorization`, `refused_accept_returned_merchandise`, `advised_not_to_return`, `no_longer_exists_or_not_responding`, `did_not_provide_clear_return_instructions`
    - `negotiation_details` `string` — What were the previous ongoing negotiations between the cardholder and the merchant? Required when `previous_negotiation_evidence` is `true`.
    - `negotiation_start_date` `string` — When did the negotiations begin? Required when `previous_negotiation_evidence` is `true`.
    - `order_details` `string` — What did the cardholder order, and how was it damaged or defective? Required.
    - `previous_negotiation_evidence` `boolean` — Is there evidence of previous ongoing negotiations between the cardholder and the merchant? Required when both `received_date` and the transaction's processing date are more than 113 days before submission.
    - `received_date` `string` — When did the cardholder receive the merchandise? Required.
    - `resolution_prohibited_by_local_law` `boolean` — Is an attempt to resolve the dispute with the merchant prohibited by local law or regulations? Required when `cardholder_attempted_resolution` is `false`. Must be `true`: Visa does not accept a dispute where the cardholder neither attempted resolution nor was prohibited from doing so.
    - `return_attempt_details` `string` — How did the cardholder attempt to return the merchandise? Required when a return was attempted.
    - `return_method` `enum` — How was the merchandise returned? Required when the merchandise was returned.
      Possible values: `face_to_face`, `fedex`, `dhl`, `ups`, `postal_service`, `other`
    - `return_method_details` `string` — How was the merchandise returned, when `return_method` is `other`? Required in that case.
    - `return_tracking_number` `string` — What is the shipment's tracking number? Optional. Sent to the network only when `return_method` is `fedex`, `dhl`, `ups` or `postal_service`.
    - `returned_date` `string` — When did the cardholder return the merchandise? Required when the merchandise was returned.
  - `duplicate_processing` `object` — Details required for duplicate-processing disputes.
    - `merchant_passed_on_funds_evidence` `boolean` — Does the issuer have evidence that the first merchant passed on the funds to the second merchant? Required when `other_payment_proof` is `third_party_voucher`. Visa blocks the dispute unless it does, so `false` is rejected.
    - `other_acquirer_reference_number` `string` — What is the other transaction's acquirer reference number? Required when `other_payment_proof` is `acquirer_reference_number`. 23 or 24 digits.
    - `other_card_transaction_id` `string` — Which card transaction is the other charge? Required when `other_transaction_on_same_card` or `other_transaction_on_different_card` is `true`. It must belong to this platform, be on the same card number as the disputed transaction when `other_transaction_on_same_card` is `true` and on a different card number otherwise, and carry a Visa transaction identifier.
    - `other_network_transaction_id` `string` — What is the other transaction's Visa transaction identifier? Required when `other_payment_proof` is `network_transaction_id`. 15 digits, or 17 with a multiple clearing sequence number.
    - `other_payment_proof` `enum` — What proof of the payment by other means is available? Required when `other_transaction_paid_by_other_means` is `true`.
      Possible values: `acquirer_reference_number`, `network_transaction_id`, `cash_receipt`, `cancelled_check`, `third_party_voucher`, `other_card_statement`, `other`
    - `other_transaction_on_different_card` `boolean` — Is the other transaction for the same merchant and on a different Visa card of the same cardholder? Required when `other_transaction_on_same_card` is `false`.
    - `other_transaction_on_same_card` `boolean` — Are both transactions for the same merchant and on the same card? Required. A renewed or damaged-card replacement that keeps the card number is the same card.
    - `other_transaction_paid_by_other_means` `boolean` — Was the other transaction paid by other means? Required when the other transaction is on neither card. Visa blocks the dispute unless it was, so `false` is rejected.
  - `fraud` `object` — Details required for fraud disputes.
    - `card_mailed_date` `string` — The date the card was mailed to the cardholder. Required when `fraud_type` is `card_not_received_as_issued`.
    - `card_mailed_postal_code` `string` — The postal code the card was mailed to, at most 9 characters (for example `94107`, or `941071234` for a ZIP+4 code). Required when `fraud_type` is `card_not_received_as_issued`.
    - `fraud_type` `enum` — The cardholder-reported fraud subtype. Required. `acquirer_reported`, `merchant_misrepresentation` and `manipulation_of_account_holder` are retired: they can appear on disputes created before they were retired, but are rejected when creating a dispute, checking eligibility, or adding reason details. Visa reserves `acquirer_reported` for acquirers, and a fraud dispute certifies that the cardholder denies authorizing or participating in the transaction, so file a scam the cardholder took part in under a consumer dispute reason instead.
      Possible values: `lost`, `stolen`, `card_not_received_as_issued`, `fraudulent_application`, `counterfeit`, `miscellaneous_account_takeover`, `card_absent`, `acquirer_reported`, `incorrect_processing`, `account_or_credentials_takeover`, `merchant_misrepresentation`, `manipulation_of_account_holder`
    - `pin_preferring_card` `boolean` — Whether the card is a PIN-preferring chip card. Only used when `fraud_type` is `lost`, `stolen` or `card_not_received_as_issued`, and treated as `false` for a card without a chip. When omitted, Visa assumes `false`.
  - `incorrect_account_number` `object` — Details required for incorrect-account-number disputes.
    - `receipt_account_number_matches` `boolean` — Does the account number on the cardholder's receipt match the cardholder's account number or token? Required for incorrect-account-number disputes.
  - `incorrect_amount` `object` — Details required for incorrect-amount disputes.
    - `cardholder_receipt_amount` `number` — The amount shown on the cardholder's receipt, in the smallest unit of the dispute currency.
      This is the correct amount, as opposed to the amount actually charged. Required, and must leave the
      dispute amount no more than the transaction amount less this amount.
    - `quoted_price_difference` `boolean` — Is the dispute due to the difference between the price the merchant quoted and what it actually charged? Required when the transaction is with a travel and entertainment merchant (airline, car rental, lodging or passenger railway) and `cardholder_receipt_amount` differs from the transaction amount; otherwise stored but not sent to the network.
  - `incorrect_currency` `object` — Details required for incorrect-currency disputes.
    - `cardholder_did_not_agree_to_dcc` `boolean` — Does the issuer certify that the cardholder did not agree to dynamic currency conversion and did not make an active choice? Required when `currency_error` is `dynamic_currency_conversion`. Must be `true`: `false` would certify the cardholder agreed to the conversion the dispute claims they did not.
    - `correct_currency` `string` — What currency should the transaction have been processed in? Required when `currency_error` is `currency_difference`. Must differ from the currency the merchant processed the transaction in.
    - `currency_error` `enum` — What was wrong with the transaction currency? Required.
      Possible values: `currency_difference`, `dynamic_currency_conversion`
  - `incorrect_transaction_code` `object` — Details required for incorrect-transaction-code disputes.
    - `credit_card_transaction_id` `string` — Which card transaction is the credit the merchant processed instead of a reversal or adjustment? Required when `transaction_code_error` is `credit_instead_of_reversal`. It must be a credit on the same card account as the disputed transaction and carry a Visa transaction identifier.
    - `credit_error_explanation` `string` — Why was the credit refund processed in error? Required when `transaction_code_error` is `credit_instead_of_reversal`.
    - `transaction_code_error` `enum` — How was the transaction code incorrect? Required.
      Possible values: `credit_instead_of_reversal`, `credit_posted_as_debit`, `debit_posted_as_credit`
  - `invalid_data` `object` — Details required for invalid-data disputes.
    - `authorization_decline_explanation` `string` — Why would including valid data have caused the authorization request to be declined? Required.
  - `merchandise_services_not_received` `object` — Details required for merchandise-or-services-not-received disputes.
    - `attempted_return_date` `string` — The date the cardholder attempted to return the merchandise. Required when `cardholder_attempted_return` is `true`.
    - `cancellation_date` `string` — The date the cardholder canceled. Required when `cardholder_canceled` is `true`.
    - `cancellation_method` `string` — How did the cardholder cancel? Required when `cardholder_canceled` is `true`.
    - `cardholder_attempted_resolution` `boolean` — Whether the cardholder attempted to resolve the issue with the merchant. Required.
    - `cardholder_attempted_return` `boolean` — Did the cardholder attempt to return the merchandise? Required when `delivered_late` is `true` and `cardholder_returned_merchandise` is `false`.
    - `cardholder_canceled` `boolean` — Did the cardholder cancel before the expected receipt date? Defaults to `false` when omitted.
    - `cardholder_returned_merchandise` `boolean` — Did the cardholder return the merchandise? Required when `delivered_late` is `true`.
    - `commercial_virtual_account` `boolean` — Does the dispute involve a Visa Commercial Card Virtual Account? Only applies to services. Defaults to `false` when omitted.
    - `delivered_late` `boolean` — Was the merchandise delivered late? Only applies to merchandise. Defaults to `false` when omitted.
    - `delivered_to_wrong_location` `boolean` — Was the merchandise delivered to the incorrect location? Only applies to merchandise. Defaults to `false` when omitted.
    - `dispute_before_expected_date_explanation` `string` — Why is the dispute being filed before the expected receipt date? Required while `expected_receipt_date` is in the future.
    - `expected_receipt_date` `string` — The date the cardholder expected to receive the merchandise or services. Required.
    - `late_delivery_details` `string` — What was the address of the agreed location, or the details of the late delivery? Required when `delivered_late` or `delivered_to_wrong_location` is `true`.
    - `merchandise_or_services` `enum` — Whether the cardholder did not receive merchandise or services. Required.
      Possible values: `merchandise`, `services`
    - `merchant_canceled` `boolean` — Did the merchant cancel the merchandise or services? Defaults to `false` when omitted.
    - `merchant_cancellation_date` `string` — The date the merchant canceled the merchandise or services. Required when `merchant_canceled` is `true`.
    - `merchant_insolvent` `boolean` — Is the merchant insolvent or bankrupt? Defaults to `false` when omitted.
    - `merchant_received_return_date` `string` — The date the merchant received the returned merchandise. Required when `cardholder_returned_merchandise` is `true`.
    - `non_fiat_currency_not_delivered` `boolean` — Was non-fiat currency or a non-fungible token not delivered to the destination wallet address the cardholder supplied at the time of the transaction? Only applies to services. Defaults to `false` when omitted.
    - `order_details` `string` — What the cardholder purchased but did not receive. Required.
    - `resolution_prohibited_by_local_law` `boolean` — Is an attempt to resolve the dispute with the merchant prohibited by local law or regulations? Required when `cardholder_attempted_resolution` is `false`. Only `true` is accepted: the cardholder must attempt to resolve the dispute with the merchant unless local law prohibits it.
    - `returned_date` `string` — The date the cardholder returned the merchandise. Required when `cardholder_returned_merchandise` is `true`.
    - `third_party_gift_card` `boolean` — Is the purchase a third-party gift card without an expiration date, where the merchandise or services were not provided by the third party due to insolvency or bankruptcy? Defaults to `false` when omitted.
    - `virtual_account_financial_loss` `boolean` — Did the virtual account holder suffer a financial loss? Required when `commercial_virtual_account` is `true`.
  - `misrepresentation` `object` — Details required for misrepresentation disputes.
    - `attempted_return_date` `string` — When did the cardholder attempt to return the merchandise? Required when a return was attempted.
    - `cancellation_date` `string` — When did the cardholder cancel the services? Required when the services were canceled.
    - `cancellation_method` `string` — How and why did the cardholder cancel the services? Required when the services were canceled.
    - `cardholder_attempted_resolution` `boolean` — Did the cardholder attempt to resolve the dispute with the merchant? Required for merchandise, and for services the cardholder canceled.
    - `cardholder_attempted_return` `boolean` — Did the cardholder attempt to return the merchandise? Required when the merchandise was not returned.
    - `cardholder_canceled` `boolean` — Did the cardholder cancel the services? Required for services.
    - `cardholder_first_notified_issuer_date` `string` — When did the cardholder first notify the issuer of the dispute? Required when `previous_negotiation_evidence` is `true`.
    - `cardholder_returned_merchandise` `boolean` — Did the cardholder return the merchandise? Required for merchandise.
    - `merchandise_or_services` `enum` — Was the disputed purchase merchandise or services? Required.
      Possible values: `merchandise`, `services`
    - `merchant_received_return_date` `string` — When did the merchant receive the returned merchandise? Required when the merchandise was returned.
    - `merchant_return_refusal_reason` `enum` — Why did the merchant not provide or accept a merchandise return? Required when a return was attempted. Must be `refused_return_authorization`, `refused_accept_returned_merchandise` or `advised_not_to_return`.
      Possible values: `refused_return_authorization`, `refused_accept_returned_merchandise`, `advised_not_to_return`, `no_longer_exists_or_not_responding`, `did_not_provide_clear_return_instructions`
    - `misrepresentation_details` `string` — How was the merchandise or service misrepresented? Required.
    - `negotiation_details` `string` — What were the previous ongoing negotiations between the cardholder and the merchant? Required when `previous_negotiation_evidence` is `true`.
    - `negotiation_start_date` `string` — When did the negotiations begin? Required when `previous_negotiation_evidence` is `true`.
    - `order_details` `string` — What did the cardholder purchase? Required.
    - `previous_negotiation_evidence` `boolean` — Is there evidence of previous ongoing negotiations between the cardholder and the merchant? Required when both `received_date` and the transaction's processing date are more than 113 days before submission.
    - `received_date` `string` — When did the cardholder receive the merchandise or services? Required.
    - `resolution_prohibited_by_local_law` `boolean` — Is an attempt to resolve the dispute with the merchant prohibited by local law or regulations? Required when `cardholder_attempted_resolution` is `false`. Must be `true`: Visa does not accept a dispute where the cardholder neither attempted resolution nor was prohibited from doing so.
    - `return_attempt_details` `string` — How did the cardholder attempt to return the merchandise? Optional.
    - `return_method` `enum` — How was the merchandise returned? Required when the merchandise was returned.
      Possible values: `face_to_face`, `fedex`, `dhl`, `ups`, `postal_service`, `other`
    - `return_method_details` `string` — How was the merchandise returned, when `return_method` is `other`? Required in that case.
    - `return_tracking_number` `string` — What is the shipment's tracking number? Optional. Sent to the network only when `return_method` is `fedex`, `dhl`, `ups`, `postal_service` or `other`.
    - `returned_date` `string` — When did the cardholder return the merchandise? Required when the merchandise was returned.
  - `no_authorization` `object` — Details required for no-authorization disputes.
    - `account_status` `enum` — The account condition that should have caused the authorization to be declined. Required.
      Possible values: `account_closed`, `credit_problem`, `fraud`
  - `not_as_described` `object` — Details required for not-as-described disputes.
    - `attempted_return_date` `string` — Date the cardholder attempted to return the merchandise. Required when a return was attempted.
    - `cancellation_date` `string` — When did the cardholder cancel the services? Required when the services were canceled.
    - `cancellation_method` `string` — How and why did the cardholder cancel the services? Required when the services were canceled.
    - `cardholder_attempted_resolution` `boolean` — Whether the cardholder attempted to resolve the issue with the merchant. Required.
    - `cardholder_attempted_return` `boolean` — Whether the cardholder attempted to return the merchandise. Required when the merchandise was not returned.
    - `cardholder_canceled` `boolean` — Did the cardholder cancel the services? Required for services.
    - `cardholder_first_notified_issuer_date` `string` — When did the cardholder first notify the issuer of the dispute? Required when `previous_negotiation_evidence` is `true`.
    - `cardholder_returned_merchandise` `boolean` — Whether the cardholder returned the merchandise. Required for merchandise; ignored for services.
    - `food_quality_issue` `boolean` — Is the dispute about the quality of food received from an eating place or restaurant? Required for services purchased from a merchant with MCC 5812, 5813 or 5814.
    - `merchandise_disposition` `string` — Current disposition of the merchandise. Required when a return was attempted.
    - `merchandise_or_services` `enum` — Whether the disputed purchase was merchandise or services. Required.
      Possible values: `merchandise`, `services`
    - `merchant_accepted_cancellation` `boolean` — Did the merchant accept the cancellation? Required when the services were canceled no more than 15 days before submission.
    - `merchant_received_return_date` `string` — When did the merchant receive the returned merchandise? Required when the merchandise was returned.
    - `merchant_return_refusal_reason` `enum` — Why the merchant did not provide or accept a merchandise return. Required when a return was attempted.
      Possible values: `refused_return_authorization`, `refused_accept_returned_merchandise`, `advised_not_to_return`, `no_longer_exists_or_not_responding`, `did_not_provide_clear_return_instructions`
    - `negotiation_details` `string` — What were the previous ongoing negotiations between the cardholder and the merchant? Required when `previous_negotiation_evidence` is `true`.
    - `negotiation_start_date` `string` — When did the negotiations begin? Required when `previous_negotiation_evidence` is `true`.
    - `non_fiat_currency_not_as_described` `boolean` — Was the purchase of non-fiat currency or non-fungible tokens (NFTs), and did what the cardholder received not match the description at the time of the transaction? Required for services.
    - `order_details` `string` — What was ordered and how the received merchandise or services differed. Required.
    - `previous_negotiation_evidence` `boolean` — Is there evidence of previous ongoing negotiations between the cardholder and the merchant? Required when both `received_date` and the transaction's processing date are more than 113 days before submission.
    - `received_date` `string` — The date the cardholder received the merchandise or services. Required.
    - `resolution_prohibited_by_local_law` `boolean` — Is an attempt to resolve the dispute with the merchant prohibited by local law or regulations? Required when `cardholder_attempted_resolution` is `false`. Must be `true`: Visa does not accept a dispute where the cardholder neither attempted resolution nor was prohibited from doing so.
    - `return_attempt_details` `string` — How the cardholder attempted to return the merchandise. Required when a return was attempted.
    - `return_method` `enum` — How was the merchandise returned? Required when the merchandise was returned.
      Possible values: `face_to_face`, `fedex`, `dhl`, `ups`, `postal_service`, `other`
    - `return_method_details` `string` — How was the merchandise returned, when `return_method` is `other`? Required in that case.
    - `return_tracking_number` `string` — What is the shipment's tracking number? Optional. Sent to the network only when `return_method` is `fedex`, `dhl`, `ups` or `postal_service`.
    - `returned_date` `string` — When did the cardholder return the merchandise? Required when the merchandise was returned.
  - `original_credit_not_accepted` `object` — Details required for original-credit-not-accepted disputes.
    - `explanation` `string` — What are the details of why the original credit was not accepted? Required.
    - `not_accepted_reason` `enum` — Why was the original credit not accepted? Required.
      Possible values: `recipient_refused`, `prohibited_by_local_law`
  - `paid_by_other_means` `object` — Details required for paid-by-other-means disputes.
    - `cardholder_attempted_resolution` `boolean` — Did the cardholder attempt to resolve the dispute with the merchant? Required.
    - `merchant_passed_on_funds_evidence` `boolean` — Does the issuer have evidence that the first merchant passed on the funds to the second merchant? Required when `other_payment_proof` is `third_party_voucher`. Visa blocks the dispute unless it does, so `false` is rejected.
    - `other_acquirer_reference_number` `string` — What is the other transaction's acquirer reference number? Required when `other_payment_proof` is `acquirer_reference_number`. 23 or 24 digits.
    - `other_card_transaction_id` `string` — Which card transaction is the other payment? Required when `other_transaction_on_same_card` or `other_transaction_on_different_card` is `true`. It must belong to this platform, be on the same card number as the disputed transaction when `other_transaction_on_same_card` is `true` and on a different card number otherwise, and carry a Visa transaction identifier.
    - `other_network_transaction_id` `string` — What is the other transaction's Visa transaction identifier? Required when `other_payment_proof` is `network_transaction_id`. 15 digits, or 17 with a multiple clearing sequence number.
    - `other_payment_proof` `enum` — What proof of the payment by other means is available? Required when `other_transaction_paid_by_other_means` is `true`.
      Possible values: `acquirer_reference_number`, `network_transaction_id`, `cash_receipt`, `cancelled_check`, `third_party_voucher`, `other_card_statement`, `other`
    - `other_transaction_on_different_card` `boolean` — Is the other transaction for the same merchant and on a different Visa card of the same cardholder? Required when `other_transaction_on_same_card` is `false`.
    - `other_transaction_on_same_card` `boolean` — Are both transactions for the same merchant and on the same card? Required. A renewed or damaged-card replacement that keeps the card number is the same card.
    - `other_transaction_paid_by_other_means` `boolean` — Was the other transaction paid by other means? Required when the other transaction is on neither card. Visa blocks the dispute unless it was, so `false` is rejected.
    - `resolution_prohibited_by_local_law` `boolean` — Is an attempt to resolve the dispute with the merchant prohibited by local law or regulations? Required when `cardholder_attempted_resolution` is `false`. Visa blocks the dispute unless it is, so `false` is rejected.
  - `quality_of_merchandise_or_services` `object` — Details required for quality-of-merchandise-or-services disputes.
    - `attempted_return_date` `string` — When did the cardholder attempt to return the merchandise? Required when a return was attempted.
    - `cancellation_date` `string` — When did the cardholder cancel the services? Required when the services were canceled.
    - `cancellation_method` `string` — How and why did the cardholder cancel the services? Required when the services were canceled.
    - `cardholder_attempted_resolution` `boolean` — Did the cardholder attempt to resolve the dispute with the merchant? Required.
    - `cardholder_attempted_return` `boolean` — Did the cardholder attempt to return the merchandise? Required when the merchandise was not returned.
    - `cardholder_canceled` `boolean` — Did the cardholder cancel the services? Required for services.
    - `cardholder_first_notified_issuer_date` `string` — When did the cardholder first notify the issuer of the dispute? Required when `previous_negotiation_evidence` is `true`.
    - `cardholder_paid_for_work_redone` `boolean` — Did the cardholder pay to have the work redone? Required for services.
    - `cardholder_returned_merchandise` `boolean` — Did the cardholder return the merchandise? Required for merchandise; ignored for services.
    - `food_quality_issue` `boolean` — Is the dispute about the quality of food received from an eating place or restaurant? Required for services purchased from a merchant with MCC 5812, 5813 or 5814.
    - `merchandise_disposition` `string` — What is the current disposition of the merchandise? Required when a return was attempted.
    - `merchandise_or_services` `enum` — Was the disputed purchase merchandise or services? Required.
      Possible values: `merchandise`, `services`
    - `merchant_accepted_cancellation` `boolean` — Did the merchant accept the cancellation? Required when the services were canceled no more than 15 days before submission.
    - `merchant_received_return_date` `string` — When did the merchant receive the returned merchandise? Required when the merchandise was returned.
    - `merchant_return_refusal_reason` `enum` — Why did the merchant not provide or accept a merchandise return? Required when a return was attempted.
      Possible values: `refused_return_authorization`, `refused_accept_returned_merchandise`, `advised_not_to_return`, `no_longer_exists_or_not_responding`, `did_not_provide_clear_return_instructions`
    - `negotiation_details` `string` — What were the previous ongoing negotiations between the cardholder and the merchant? Required when `previous_negotiation_evidence` is `true`.
    - `negotiation_start_date` `string` — When did the negotiations begin? Required when `previous_negotiation_evidence` is `true`.
    - `non_fiat_currency_not_as_described` `boolean` — Was the purchase of non-fiat currency or non-fungible tokens (NFTs), and did what the cardholder received not match the description at the time of the transaction? Required for services.
    - `order_details` `string` — What did the cardholder purchase, and what is the quality issue? Required.
    - `previous_negotiation_evidence` `boolean` — Is there evidence of previous ongoing negotiations between the cardholder and the merchant? Required when both `received_date` and the transaction's processing date are more than 113 days before submission.
    - `received_date` `string` — When did the cardholder receive the merchandise or services? Required.
    - `resolution_prohibited_by_local_law` `boolean` — Is an attempt to resolve the dispute with the merchant prohibited by local law or regulations? Required when `cardholder_attempted_resolution` is `false`. Must be `true`: Visa does not accept a dispute where the cardholder neither attempted resolution nor was prohibited from doing so.
    - `return_attempt_details` `string` — How did the cardholder attempt to return the merchandise? Required when a return was attempted.
    - `return_method` `enum` — How was the merchandise returned? Required when the merchandise was returned.
      Possible values: `face_to_face`, `fedex`, `dhl`, `ups`, `postal_service`, `other`
    - `return_method_details` `string` — How was the merchandise returned, when `return_method` is `other`? Required in that case.
    - `return_tracking_number` `string` — What is the shipment's tracking number? Optional. Sent to the network only when `return_method` is `fedex`, `dhl`, `ups`, `postal_service` or `other`.
    - `returned_date` `string` — When did the cardholder return the merchandise? Required when the merchandise was returned.
  - `terms_of_contract` `object` — Details required for terms-of-contract disputes.
    - `received_date` `string` — When did the cardholder receive the services? Required when the transaction was processed more than 113 days before submission.
    - `terms_not_honored_details` `string` — How were the terms of the contract not honored by the merchant, or not as described? Required. Terms-of-contract disputes apply to Visa Commercial Card Virtual Account transactions.
- `reason_for_partial_dispute` `string` — 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`.

**Request**

```shell
curl 'https://api.column.com/issuing/card-dispute-eligibility' \
  -XPOST \
  -u :<YOUR API KEY> \
  -H 'Content-Type: application/json' \
  -d '{
  "amount": 10000,
  "card_transaction_id": "<card_transaction_id>",
  "currency": "USD",
  "reason": "fraud",
  "cardholder_narrative": "example_cardholder_narrative",
  "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."
    }
  },
  "evidence": [
    {
      "document_id": "docu_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
      "evidence_type": "cardholder_letter"
    }
  ],
  "evidence_document_ids": [
    "example_evidence_document_ids"
  ]
}'
```

**Response 200**

```json
{
  "amount": 10000,
  "card_transaction_id": "ctxn_2Q1ctiJm1NypVqCt8UBC8e4xTfH",
  "currency": "USD",
  "eligible": false,
  "max_amount": 10000
}
```