Disputes API Guide - Flex Documentation

Disputes (chargebacks) occur when a cardholder challenges a charge with their bank. Flex automatically syncs disputes the moment they are filed and exposes a full API for listing, retrieving, submitting evidence, and closing disputes.

Overview
Authentication
The Dispute Object
Dispute Status Lifecycle
Dispute Reason Codes
Endpoints
Uploading Evidence Files
Webhook Events
Error Reference
End-to-End Testing Guide

Overview

Cardholder files dispute with their bank
       │
       ▼
charge.dispute.created → Flex syncs dispute
       │
       ▼
Partner receives webhook event: charge.dispute.created
       │
       ├─── Partner calls GET /v1/disputes/:id  (inspect dispute)
       │
       ├─── Partner calls POST /v1/disputes/:id (submit evidence)
       │         └─ submit: false  → save draft, do not submit yet
       │         └─ submit: true   → submit evidence immediately
       │
       └─── Partner calls POST /v1/disputes/:id/close (accept loss)

When a dispute is opened, Flex:

Receives the charge.dispute.created event.
Creates a Dispute record linked to your payment_intent_id and charge_id.
Forwards a charge.dispute.created event to your registered webhook endpoint.

You have until evidence_details.due_by to respond. Submitting evidence with submit: true sends it immediately and increments submission_count. You may re-submit with updated evidence before the deadline. Alternatively, POST /v1/disputes/:id/close concedes the dispute immediately.

Authentication

All requests require a bearer token (API key).

Authorization: Bearer fsk_...

Your API key is scoped to your partner account. Disputes for other partners are never visible regardless of the ID used — they return 404.

The Dispute Object

{
  "dispute": {
    "dispute_id": "fdsp_01jx3q8kt1b9a7n2c4d5e6f7g8",
    "payment_intent_id": "fpi_01jx3q7ab1c8d2e3f4g5h6j7k8",
    "charge_id": "fch_01jx3q6ab1c7d2e3f4g5h6j7k8",
    "amount": 4999,
    "currency": "usd",
    "status": "needs_response",
    "reason": "fraudulent",
    "is_charge_refundable": false,
    "metadata": {},
    "created_at": "2026-02-10T14:30:00Z",
    "test_mode": false,

    "evidence_details": {
      "due_by": "2026-03-01T23:59:59Z",
      "has_evidence": false,
      "past_due": false,
      "submission_count": 0
    },

    "balance_transactions": [
      {
        "balance_transaction_id": "fbt_01jx3qabc123",
        "amount": -4999,
        "fee": -1500,
        "net": -6499,
        "status": "available",
        "type": "adjustment",
        "created_at": "2026-02-10T15:00:00Z"
      }
    ],

    "payment_method_details": {
      "type": "card",
      "card": {
        "brand": "visa",
        "network_reason_code": "10.4"
      }
    }
  }
}

Field Reference

Field	Type	Description
`dispute_id`	string	Flex dispute ID (`fdsp_` prefix). Use this in all API calls.
`payment_intent_id`	string	Flex payment intent ID (`fpi_`) linked to this dispute.
`charge_id`	string \| null	Flex charge ID (`fch_`) linked to this dispute.
`amount`	integer	Disputed amount in cents (e.g. `4999` = $49.99).
`currency`	string	Three-letter ISO currency code (e.g. `"usd"`).
`status`	string	Current dispute status. See Dispute Status Lifecycle.
`reason`	string	Reason code provided by the card network. See Dispute Reason Codes.
`is_charge_refundable`	boolean	Whether the underlying charge can be refunded.
`metadata`	object	Arbitrary key-value metadata.
`created_at`	string	ISO 8601 timestamp when the dispute was created.
`test_mode`	boolean	`true` if this is a test-mode dispute.
`evidence_details`	object \| null	Evidence submission deadline and status. See below.
`balance_transactions`	array	Balance transactions associated with this dispute (withdrawals and reinstatements). Only populated on single-dispute `GET`.
`payment_method_details`	object \| null	Card details for the disputed payment. Only populated on single-dispute `GET`.

`evidence_details` Fields

Field	Type	Description
`due_by`	string \| null	ISO 8601 deadline for submitting evidence. `null` if no deadline has been set yet.
`has_evidence`	boolean	`true` if any evidence has been saved (draft or submitted).
`past_due`	boolean	`true` if the submission deadline has passed.
`submission_count`	integer	Number of times evidence has been submitted.

`balance_transactions` Fields (per item)

Field	Type	Description
`balance_transaction_id`	string	Flex balance transaction ID (`fbt_` prefix).
`amount`	integer	Amount in cents. Negative = debit from your balance.
`fee`	integer	Dispute fee in cents (charged by the card network).
`net`	integer	Net impact on your balance (`amount + fee`).
`status`	string	`pending` or `available`.
`type`	string	`"adjustment"` for dispute debit or reinstatement credit.
`created_at`	string \| null	ISO 8601 timestamp.

`payment_method_details.card` Fields

Field	Type	Description
`brand`	string \| null	Card brand: `"visa"`, `"mastercard"`, `"amex"`, `"discover"`, etc.
`network_reason_code`	string \| null	Card network reason code (e.g. `"10.4"` for Visa, `"4853"` for Mastercard).

Dispute Status Lifecycle

needs_response  ──submit evidence──►  under_review  ──►  won
      │                                                    │
      │                                                    │
      └─────────close (accept loss)──►  lost  ◄───────────┘

Status	Description	Can Submit Evidence	Can Close
`needs_response`	Dispute is open and awaiting your response.	✅	✅
`warning_needs_response`	Inquiry (pre-chargeback) needing response.	✅	✅
`under_review`	Evidence submitted; issuer reviewing.	❌	❌
`warning_under_review`	Inquiry under review.	❌	❌
`won`	Dispute resolved in your favour.	❌	❌
`lost`	Dispute resolved against you. Funds forfeited.	❌	❌
`warning_closed`	Inquiry closed without becoming a chargeback.	❌	❌

Attempting to submit evidence or close a dispute in a non-actionable status returns 422.

Dispute Reason Codes

Value	Description
`fraudulent`	Customer claims they did not authorise the charge. Most common.
`product_not_received`	Customer claims they did not receive the product/service.
`product_unacceptable`	Customer claims the product/service was defective or not as described.
`credit_not_processed`	Customer claims a refund they were promised was never processed.
`duplicate`	Customer claims they were charged twice for the same transaction.
`subscription_canceled`	Customer claims they were charged after cancelling a subscription.
`unrecognized`	Customer does not recognise the charge.
`bank_cannot_process`	Bank returned the charge for technical reasons.
`debit_not_authorized`	Customer claims the debit was not authorised.
`customer_initiated`	Customer-initiated dispute.
`check_returned`	Check was returned.
`incorrect_account_details`	Account details were incorrect.
`insufficient_funds`	Insufficient funds.
`general`	General / uncategorised reason.

Endpoints

List Disputes

GET /v1/disputes

Returns disputes for your account in reverse chronological order (newest first). Query Parameters

Parameter	Type	Description
`limit`	integer	Number of disputes to return. Default `20`, max `100`.
`starting_after`	string	Cursor for forward pagination. Pass the last `dispute_id` from the previous page.
`ending_before`	string	Cursor for backward pagination. Pass the first `dispute_id` from the current page.
`charge`	string	Filter by Flex charge ID (`fch_...`).
`payment_intent`	string	Filter by Flex payment intent ID (`fpi_...`).

Note: balance_transactions and payment_method_details are not populated in list responses. Use GET /v1/disputes/:id to get the full dispute.

Example — list all disputes

GET /v1/disputes?limit=20
Authorization: Bearer fsk_...

Response

{
  "disputes": [
    {
      "dispute_id": "fdsp_01jx3q8kt1b9a7n2c4d5e6f7g8",
      "amount": 4999,
      "currency": "usd",
      "status": "needs_response",
      "reason": "fraudulent",
      "created_at": "2026-02-10T14:30:00Z",
      "evidence_details": {
        "due_by": "2026-03-01T23:59:59Z",
        "has_evidence": false,
        "past_due": false,
        "submission_count": 0
      },
      "balance_transactions": null,
      "payment_method_details": null,
      ...
    }
  ]
}

Example — filter by payment intent

GET /v1/disputes?payment_intent=fpi_01jx3q7ab1c8d2e3f4g5h6j7k8
Authorization: Bearer fsk_...

Example — paginate forward

GET /v1/disputes?limit=10&starting_after=fdsp_01jx3q8kt1b9a7n2c4d5e6f7g8
Authorization: Bearer fsk_...

Get Dispute

GET /v1/disputes/:dispute_id

Retrieves a single dispute by its Flex ID. This is the only endpoint that populates balance_transactions and payment_method_details. Path Parameters

Parameter	Description
`dispute_id`	Flex dispute ID (`fdsp_...`).

Example

GET /v1/disputes/fdsp_01jx3q8kt1b9a7n2c4d5e6f7g8
Authorization: Bearer fsk_...

Response

{
  "dispute": {
    "dispute_id": "fdsp_01jx3q8kt1b9a7n2c4d5e6f7g8",
    "payment_intent_id": "fpi_01jx3q7ab1c8d2e3f4g5h6j7k8",
    "charge_id": "fch_01jx3q6ab1c7d2e3f4g5h6j7k8",
    "amount": 4999,
    "currency": "usd",
    "status": "needs_response",
    "reason": "fraudulent",
    "is_charge_refundable": false,
    "metadata": {},
    "created_at": "2026-02-10T14:30:00Z",
    "test_mode": false,
    "evidence_details": {
      "due_by": "2026-03-01T23:59:59Z",
      "has_evidence": false,
      "past_due": false,
      "submission_count": 0
    },
    "balance_transactions": [
      {
        "balance_transaction_id": "fbt_01jx3qabc123",
        "amount": -4999,
        "fee": -1500,
        "net": -6499,
        "status": "available",
        "type": "adjustment",
        "created_at": "2026-02-10T15:00:00Z"
      }
    ],
    "payment_method_details": {
      "type": "card",
      "card": {
        "brand": "visa",
        "network_reason_code": "10.4"
      }
    }
  }
}

Errors

Status	When
`404`	Dispute not found or belongs to a different partner.

Update Evidence

POST /v1/disputes/:dispute_id

Saves evidence for a dispute. Set submit: true to submit evidence immediately. Set submit: false (or omit it) to save a draft without submitting. The dispute must be in needs_response or warning_needs_response status. Path Parameters

Parameter	Description
`dispute_id`	Flex dispute ID (`fdsp_...`).

Request Body

{
  "dispute": {
    "evidence": { ... },
    "submit": true
  }
}

Evidence Fields

All fields are optional. Include only what is relevant to your dispute reason. Text fields

Field	Description
`customer_name`	Full name of the customer as it appears in your records.
`customer_email_address`	Email address of the customer.
`customer_purchase_ip`	IP address the customer used when making the purchase.
`billing_address`	Billing address as entered during checkout.
`product_description`	Description of the product or service. Be specific.
`service_date`	Date the service was provided (`YYYY-MM-DD`).
`shipping_address`	Address where the product was shipped.
`shipping_carrier`	Carrier name (e.g. `"UPS"`, `"FedEx"`).
`shipping_date`	Date the product was shipped (`YYYY-MM-DD`).
`shipping_tracking_number`	Tracking number for the shipment.
`duplicate_charge_id`	The Flex charge ID of the original, legitimate charge (for `duplicate` disputes).
`duplicate_charge_explanation`	Explanation of why the charges are different (for `duplicate` disputes).
`cancellation_policy_disclosure`	Explanation of how the cancellation policy was disclosed to the customer.
`cancellation_rebuttal`	Rebuttal to the customer’s cancellation claim.
`refund_policy_disclosure`	Explanation of how the refund policy was disclosed.
`refund_refusal_explanation`	Explanation of why a refund was not issued.
`access_activity_log`	Log of customer access to the service (relevant for `product_not_received`).
`uncategorized_text`	Any additional evidence or context.

File fields — use a Flex File ID (ffile_... from POST /v1/files) Files must be uploaded with purpose dispute_evidence before use. See Uploading Evidence Files.

Field	Description
`receipt`	Receipt or order confirmation.
`customer_communication`	Email/chat correspondence with the customer.
`customer_signature`	Signed delivery confirmation or service agreement.
`cancellation_policy`	Copy of your cancellation policy.
`refund_policy`	Copy of your refund policy.
`duplicate_charge_documentation`	Documentation showing the original charge was legitimate.
`service_documentation`	Proof the service was delivered.
`shipping_documentation`	Shipping confirmation or carrier proof of delivery.
`uncategorized_file`	Any additional supporting document.

Example — save a draft (no submission)

POST /v1/disputes/fdsp_01jx3q8kt1b9a7n2c4d5e6f7g8
Authorization: Bearer fsk_...
Content-Type: application/json

{
  "dispute": {
    "evidence": {
      "customer_name": "Jane Doe",
      "customer_email_address": "jane@example.com",
      "product_description": "HSA-eligible blood pressure monitor, shipped 2026-01-15",
      "shipping_tracking_number": "1Z999AA10123456784",
      "shipping_carrier": "UPS",
      "shipping_date": "2026-01-15",
      "receipt": "ffile_01jx3qabc000000000000000001"
    },
    "submit": false
  }
}

Example — submit evidence

POST /v1/disputes/fdsp_01jx3q8kt1b9a7n2c4d5e6f7g8
Authorization: Bearer fsk_...
Content-Type: application/json

{
  "dispute": {
    "evidence": {
      "customer_name": "Jane Doe",
      "customer_email_address": "jane@example.com",
      "product_description": "HSA-eligible blood pressure monitor, shipped 2026-01-15",
      "shipping_tracking_number": "1Z999AA10123456784",
      "shipping_carrier": "UPS",
      "shipping_date": "2026-01-15",
      "receipt": "ffile_01jx3qabc000000000000000001",
      "shipping_documentation": "ffile_01jx3qabc000000000000000002"
    },
    "submit": true
  }
}

Response Returns the updated Dispute object with refreshed evidence_details.submission_count.

{
  "dispute": {
    "dispute_id": "fdsp_01jx3q8kt1b9a7n2c4d5e6f7g8",
    "status": "under_review",
    "evidence_details": {
      "due_by": "2026-03-01T23:59:59Z",
      "has_evidence": true,
      "past_due": false,
      "submission_count": 1
    },
    ...
  }
}

Errors

Status	When
`404`	Dispute not found or belongs to a different partner.
`422`	Dispute is not in `needs_response` / `warning_needs_response` status.
`404`	A referenced file ID (`ffile_...`) does not exist.
`422`	A referenced file was not uploaded with `dispute_evidence` purpose.

Close Dispute

POST /v1/disputes/:dispute_id/close

Accepts the dispute and concedes the funds. Use this when you do not intend to contest the dispute. This action is irreversible. The dispute must be in needs_response or warning_needs_response status. Path Parameters

Parameter	Description
`dispute_id`	Flex dispute ID (`fdsp_...`).

Request Body No body required. Example

POST /v1/disputes/fdsp_01jx3q8kt1b9a7n2c4d5e6f7g8/close
Authorization: Bearer fsk_...

Response Returns the updated Dispute object. status will be lost.

{
  "dispute": {
    "dispute_id": "fdsp_01jx3q8kt1b9a7n2c4d5e6f7g8",
    "status": "lost",
    ...
  }
}

Errors

Status	When
`404`	Dispute not found or belongs to a different partner.
`422`	Dispute is not in `needs_response` / `warning_needs_response` status.

Uploading Evidence Files

Before referencing a file in an evidence submission, upload it using the Files API with purpose dispute_evidence.

POST /v1/files
Authorization: Bearer fsk_...
Content-Type: multipart/form-data

file=@receipt.pdf
purpose=dispute_evidence

Response

{
  "file": {
    "file_id": "ffile_01jx3qabc000000000000000001",
    "filename": "receipt.pdf",
    "purpose": "dispute_evidence",
    "size": 48320,
    "created_at": "2026-02-10T14:00:00Z"
  }
}

Use the returned file_id (ffile_...) in evidence file fields. Attempting to use a file with a different purpose (e.g. identity_document) will return a 422 with a clear error message indicating which field is invalid and what purpose was found vs expected.

Webhook Events

Configure a webhook endpoint in your Flex dashboard to receive dispute lifecycle events.

`charge.dispute.created`

Fired when a dispute is opened against one of your charges.

{
  "event_id": "fevt_01jx3q8kt1b9a7n2c4d5e6f7g8",
  "event_type": "charge.dispute.created",
  "event_dt": 1770000000,
  "object": {
    "dispute_id": "fdsp_01jx3q8kt1b9a7n2c4d5e6f7g8",
    "payment_intent_id": "fpi_01jx3q7ab1c8d2e3f4g5h6j7k8",
    "charge_id": "fch_01jx3q6ab1c7d2e3f4g5h6j7k8",
    "amount": 4999,
    "currency": "usd",
    "status": "needs_response",
    "reason": "fraudulent",
    "evidence_details": {
      "due_by": "2026-03-01T23:59:59Z",
      "has_evidence": false,
      "past_due": false,
      "submission_count": 0
    }
  }
}

Recommended action: Alert your team and begin gathering evidence.

`charge.dispute.updated`

Fired when a dispute’s status, evidence, or deadline changes (including when you submit evidence via the API). Recommended action: Refresh your local dispute record.

`charge.dispute.closed`

Fired when a dispute is resolved — either won, lost, or warning_closed. Recommended action: Update your records; if lost, the funds have been debited.

`charge.dispute.funds_withdrawn`

Fired when funds are withdrawn from your balance to cover the disputed amount. A balance transaction is added to the dispute.

`charge.dispute.funds_reinstated`

Fired when a previously disputed amount is returned to your balance (dispute won). All webhook payloads include a flex-signature header for verification. See the Webhooks documentation for signature verification details.

Error Reference

All errors follow a standard format:

{
  "code": "validation_error",
  "detail": "Cannot submit evidence for dispute in 'under_review' status"
}

Or for field-level validation errors:

{
  "detail": [
    {
      "loc": ["evidence", "receipt"],
      "msg": "File ffile_01xxx in receipt has purpose identity_document, expected dispute_evidence",
      "type": "value_error"
    }
  ]
}

HTTP Status	`code`	When
`401`	`unauthorized`	Missing or invalid API key.
`404`	`not_found`	Dispute or file not found (or belongs to another partner).
`422`	`validation_error`	Invalid status transition or file validation failure.
`500`	`server_error`	Internal error — contact support with the request ID.

End-to-End Testing Guide

Prerequisites

Flex API key (test mode)
Test card numbers (see below)
A registered webhook endpoint to receive events

Step 1 — Trigger a dispute

Create a checkout session and complete payment using an auto-dispute test card:

Card Number	Dispute Reason	Notes
`4000 0000 0000 0259`	`fraudulent`	Automatically disputed after charge
`4000 0000 0000 2685`	`product_not_received`	Automatically disputed after charge

Use 4111 1111 1111 1111 as a valid non-disputing card for comparison. After completing payment:

The charge is automatically disputed (test mode only)
Flex receives the charge.dispute.created event
Your webhook endpoint receives the charge.dispute.created event

Step 2 — Inspect the dispute

GET /v1/disputes
Authorization: Bearer fsk_...

Find the new dispute. Then fetch the full object:

GET /v1/disputes/fdsp_...
Authorization: Bearer fsk_...

Verify:

status: "needs_response"
evidence_details.due_by is a future timestamp
evidence_details.submission_count: 0
balance_transactions contains one debit entry

Step 3 — Submit evidence

POST /v1/disputes/fdsp_...
Authorization: Bearer fsk_...
Content-Type: application/json

{
  "dispute": {
    "evidence": {
      "customer_name": "Test Customer",
      "product_description": "HSA-eligible item, delivered",
      "uncategorized_text": "This charge is legitimate."
    },
    "submit": true
  }
}

Verify:

Response evidence_details.submission_count: 1
Response status changes to "under_review"

Step 4 — Close a second dispute

Create another charge with the auto-dispute card. Then:

POST /v1/disputes/fdsp_.../close
Authorization: Bearer fsk_...

Verify:

Response status: "lost"

Step 5 — Verify multi-tenant isolation

Using a different partner’s API key, attempt to access the dispute IDs from Steps 2–4. All should return 404.

Step 6 — Test error cases

Invalid status transition: Try POST /v1/disputes/fdsp_.../close on a dispute that is already lost or under_review. Expected: 422 with message "Cannot close dispute in '...' status". File with wrong purpose: Upload a file with purpose=identity_document, then reference it in an evidence field. Expected: 422 with message indicating which field has the wrong file purpose. Non-existent dispute:

GET /v1/disputes/fdsp_doesnotexist

Expected: 404.

Overview

Integration

Product and Prices

Subscriptions

Refunds

Disputes

Webhooks

Dashboard

Documentation Index

​Table of Contents

​Overview

​Authentication

​The Dispute Object

​Field Reference

​evidence_details Fields

​balance_transactions Fields (per item)

​payment_method_details.card Fields

​Dispute Status Lifecycle

​Dispute Reason Codes

​Endpoints

​List Disputes

​Get Dispute

​Update Evidence

​Evidence Fields

​Close Dispute

​Uploading Evidence Files

​Webhook Events

​charge.dispute.created

​charge.dispute.updated

​charge.dispute.closed

​charge.dispute.funds_withdrawn

​charge.dispute.funds_reinstated

​Error Reference

​End-to-End Testing Guide

​Prerequisites

​Step 1 — Trigger a dispute

​Step 2 — Inspect the dispute

​Step 3 — Submit evidence

​Step 4 — Close a second dispute

​Step 5 — Verify multi-tenant isolation

​Step 6 — Test error cases

Table of Contents

Overview

Authentication

The Dispute Object

Field Reference

`evidence_details` Fields

`balance_transactions` Fields (per item)

`payment_method_details.card` Fields

Dispute Status Lifecycle

Dispute Reason Codes

Endpoints

List Disputes

Get Dispute

Update Evidence

Evidence Fields

Close Dispute

Uploading Evidence Files

Webhook Events

`charge.dispute.created`

`charge.dispute.updated`

`charge.dispute.closed`

`charge.dispute.funds_withdrawn`

`charge.dispute.funds_reinstated`

Error Reference

End-to-End Testing Guide

Prerequisites

Step 1 — Trigger a dispute

Step 2 — Inspect the dispute

Step 3 — Submit evidence

Step 4 — Close a second dispute

Step 5 — Verify multi-tenant isolation

Step 6 — Test error cases