Credit Account Disputes

Use the credit account disputes endpoints to create and manage disputes on a credit account. For more on disputes, see About Credit Account Disputes. Creating a dispute triggers the creation of a journal entry belonging to the DISPUTE group. For more on dispute journal entries, see Disputes in the About Credit Account Journal Entries guide.

Create account dispute

Action: POST
Endpoint: /credit/accounts/{account_token}/disputes Create a dispute of a journal entry on a credit account.

URL path parameters

Fields	Description
account_token string Required	Unique identifier of the credit account for which to create a dispute. Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens. Allowable Values: Existing account token

Request body

Fields	Description
token string Optional	Unique identifier of the dispute. Allowable Values: 36 char max
ledger_entry_token string Required	Unique identifier of the journal entry (`authorization.clearing` type only) in dispute. Allowable Values: 36 char max Existing `authorization.clearing` type journal entry token
amount decimal Required	Amount of the dispute. Max value is equal to the value of the original transaction. Allowable Values: 0.01 min
category string Required	Category to which the dispute belongs. Allowable Values: `FRAUD`, `AUTH`, `PROCESSING_ERROR`, `CONSUMER_DISPUTE`
notes string Optional	Additional information on the dispute (for example, a reason for the dispute). Allowable Values: 750 char max

Sample request body

JSON

{
  "token": "dispute_token_1234",
  "ledger_entry_token": "journal_entry_token1222",
  "amount": 500,
  "category": "FRAUD"
}

Response body

Fields	Description
token string Returned	Unique identifier of the dispute. Allowable Values: 36 char max
ledger_entry_token string Returned	Unique identifier of the journal entry (`authorization.clearing` type only) in dispute. Allowable Values: Existing journal entry token
account_token string Returned	Unique identifier of the credit account on which the dispute was created. Allowable Values: 36 char max Existing account token
amount decimal Returned	Amount of the dispute. Allowable Values: Format: 0.00
status string Returned	Status of the dispute. - `ACTIVE` - The dispute is active and awaiting resolution. - `REVERSED` - The dispute has been reversed and is no longer active. - `AH_WON` - The account holder won the dispute. - `AH_LOST` - The account holder lost the dispute. Allowable Values: `ACTIVE`, `REVERSED`, `AH_WON`, `AH_LOST`, `REFUNDED`
category string Returned	Category to which the dispute belongs. Allowable Values: `FRAUD`, `AUTH`, `PROCESSING_ERROR`, `CONSUMER_DISPUTE`
notes string Conditionally returned	Additional information on the dispute (for example, a reason for the dispute). Allowable Values: 750 char max
resolved_at datetime Conditionally returned	Date and time when the dispute was resolved and no longer in `ACTIVE` status. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Returned	Date and time when the dispute was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
created_time datetime Returned	Date and time when the dispute was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "dispute_token_1234",
  "ledger_entry_token": "journal_entry_token1222",
  "account_token": "account_token_12",
  "amount": 500,
  "status": "ACTIVE",
  "category": "FRAUD",
  "notes": "fraudulent purchase",
  "resolved_at": "2023-07-01T00:27:09Z",
  "updated_time": "2023-07-01T00:27:09Z",
  "created_time": "2023-07-01T00:27:09Z"
}

List account disputes

Action: GET
Endpoint: /credit/accounts/{account_token}/disputes Retrieve an array of disputes on a credit account. This endpoint supports sorting and pagination.

URL path parameters

Fields	Description
account_token string Required	Unique identifier of the credit account for which to retrieve the disputes. Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens. Allowable Values: Existing account token

URL query parameters

Fields	Description
count integer Optional	Number of disputes resources to retrieve. Allowable Values: 1–100
start_index integer Optional	Sort order index of the first resource in the returned array. Allowable Values: 0 min
sort_by string Optional	Field on which to sort. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order. NOTE: You must sort using system field names such as `lastModifiedTime`, and not by the field names appearing in response bodies such as `last_modified_time`. Allowable Values: `lastModifiedTime`, `-lastModifiedTime`
ledger_entry_tokens array of strings Optional	Unique identifier of the journal entry in dispute. This type of identifier can only be used for `authorization.clearing`-type journal entries. Allowable Values: Existing `authorization.clearing`-type journal entry token
statuses array of strings Optional	Status of the dispute. Allowable Values: `ACTIVE`, `REVERSED`, `AH_WON`, `AH_LOST`, `REFUNDED` Valid dispute status

Response body

Fields	Description
count integer Returned	Number of resources returned. Allowable Values: 1-10
start_index integer Returned	Sort order index of the first resource in the returned array. Allowable Values: Any integer
end_index integer Returned	Sort order index of the last resource in the returned array. Allowable Values: Any integer
is_more boolean Returned	A value of `true` indicates that more unreturned resources exist. Allowable Values: `true`, `false`
data array of objects Returned	Contains one or more disputes on a credit account. Allowable Values: One or more dispute objects
data[].token string Returned	Unique identifier of the dispute. Allowable Values: 36 char max
data[].ledger_entry_token string Returned	Unique identifier of the journal entry (`authorization.clearing` type only) in dispute. Allowable Values: Existing journal entry token
data[].account_token string Returned	Unique identifier of the credit account on which the dispute was created. Allowable Values: 36 char max Existing account token
data[].amount decimal Returned	Amount of the dispute. Allowable Values: Format: 0.00
data[].status string Returned	Status of the dispute. - `ACTIVE` - The dispute is active and awaiting resolution. - `REVERSED` - The dispute has been reversed and is no longer active. - `AH_WON` - The account holder won the dispute. - `AH_LOST` - The account holder lost the dispute. Allowable Values: `ACTIVE`, `REVERSED`, `AH_WON`, `AH_LOST`, `REFUNDED`
data[].category string Returned	Category to which the dispute belongs. Allowable Values: `FRAUD`, `AUTH`, `PROCESSING_ERROR`, `CONSUMER_DISPUTE`
data[].notes string Conditionally returned	Additional information on the dispute (for example, a reason for the dispute). Allowable Values: 750 char max
data[].resolved_at datetime Conditionally returned	Date and time when the dispute was resolved and no longer in `ACTIVE` status. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].updated_time datetime Returned	Date and time when the dispute was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
data[].created_time datetime Returned	Date and time when the dispute was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "count": 1,
  "start_index": 0,
  "end_index": 0,
  "is_more": true,
  "data": [
    {
      "token": "dispute_token_1234",
      "ledger_entry_token": "journal_entry_token1222",
      "account_token": "account_token_12",
      "amount": 500,
      "status": "ACTIVE",
      "category": "FRAUD",
      "notes": "fraudulent purchase",
      "resolved_at": "2021-07-01T00:27:09Z",
      "updated_time": "2021-07-01T00:27:09Z",
      "created_time": "2021-07-01T00:27:09Z"
    }
  ]
}

Retrieve account dispute

Action: GET
Endpoint: /credit/accounts/{account_token}/disputes/{dispute_token} Retrieve a dispute from a credit account.

URL path parameters

Fields	Description
account_token string Required	Unique identifier of the credit account from which to retrieve a dispute. Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens. Allowable Values: Existing account token
dispute_token string Required	Unique identifier of the dispute to retrieve. Send a `GET` request to `/credit/accounts/{account_token}/disputes` to retrieve existing dispute tokens. Allowable Values: Existing dispute token

Response body

Fields	Description
token string Returned	Unique identifier of the dispute. Allowable Values: 36 char max
ledger_entry_token string Returned	Unique identifier of the journal entry (`authorization.clearing` type only) in dispute. Allowable Values: Existing journal entry token
account_token string Returned	Unique identifier of the credit account on which the dispute was created. Allowable Values: 36 char max Existing account token
amount decimal Returned	Amount of the dispute. Allowable Values: Format: 0.00
status string Returned	Status of the dispute. - `ACTIVE` - The dispute is active and awaiting resolution. - `REVERSED` - The dispute has been reversed and is no longer active. - `AH_WON` - The account holder won the dispute. - `AH_LOST` - The account holder lost the dispute. Allowable Values: `ACTIVE`, `REVERSED`, `AH_WON`, `AH_LOST`, `REFUNDED`
category string Returned	Category to which the dispute belongs. Allowable Values: `FRAUD`, `AUTH`, `PROCESSING_ERROR`, `CONSUMER_DISPUTE`
notes string Conditionally returned	Additional information on the dispute (for example, a reason for the dispute). Allowable Values: 750 char max
resolved_at datetime Conditionally returned	Date and time when the dispute was resolved and no longer in `ACTIVE` status. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Returned	Date and time when the dispute was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
created_time datetime Returned	Date and time when the dispute was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "dispute_token_1234",
  "ledger_entry_token": "journal_entry_token1222",
  "account_token": "account_token_12",
  "amount": 500,
  "status": "ACTIVE",
  "category": "FRAUD",
  "notes": "string",
  "resolved_at": "2023-07-01T00:27:09Z",
  "updated_time": "2023-07-01T00:27:09Z",
  "created_time": "2023-07-01T00:27:09Z"
}

Update account dispute

Action: POST
Endpoint: /credit/accounts/{account_token}/disputes/{dispute_token}/transitions Update the amount or status of a dispute on a credit account.

URL path parameters

Fields	Description
account_token string Required	Unique identifier of the credit account from which to update a dispute. Send a `GET` request to `/credit/accounts` to retrieve existing credit account tokens. Allowable Values: Existing account token
dispute_token string Required	Unique identifier of the dispute to update. Send a `GET` request to `/credit/accounts/{account_token}/disputes` to retrieve existing credit account tokens. Allowable Values: Existing dispute token

Request body

Fields	Description
amount decimal Required	Updated amount of the dispute, based on the resolution. Allowable Values: Format: 0.00
status string Required	Status of the dispute. - `ACTIVE` - The dispute is active and awaiting resolution. - `REVERSED` - The dispute has been reversed and is no longer active. - `AH_WON` - The account holder won the dispute. - `AH_LOST` - The account holder lost the dispute. Allowable Values: `ACTIVE`, `REVERSED`, `AH_WON`, `AH_LOST`, `REFUNDED`
notes string Optional	Additional information on the dispute update (for example, a reason for the dispute update). Allowable Values: 750 char max
token string Optional	Unique identifier of the dispute update. Allowable Values: 36 char max
source_created_time datetime Optional	Date and time when the dispute occurred. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
interest_adjustments array of objects Optional	List of interest adjustments and their effective times, if applicable. Note that this typically only applies for a cross-cycle activity, such as a dispute or payment. Allowable Values: Valid array of one or more `interest_adjustments` objects
interest_adjustments[].currency_code string Required	Valid three-digit ISO 4217 currency code. Allowable Values: `USD`
interest_adjustments[].effective_date datetime Required	Date and time when the dispute interest charge originally happened, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
interest_adjustments[].amount decimal Required	The fee amount. Allowable Values: - `< 0 (Credit)` - The dispute is initiated. - `> 0 (Debit)` - The dispute is lost.

Sample request body

JSON

{
  "amount": 500,
  "status": "AH_WON"
}

Response body

Fields	Description
amount decimal Returned	Amount of the updated dispute, based on the resolution. Allowable Values: Format: 0.00
status string Returned	Status of the dispute. - `ACTIVE` - The dispute is active and awaiting resolution. - `REVERSED` - The dispute has been reversed and is no longer active. - `AH_WON` - The account holder won the dispute. - `AH_LOST` - The account holder lost the dispute. Allowable Values: `ACTIVE`, `REVERSED`, `AH_WON`, `AH_LOST`, `REFUNDED`
notes string Conditionally returned	Additional information on the dispute update (for example, a reason for the dispute update). Allowable Values: 750 char max
account_token string Returned	Unique identifier of the credit account on which the dispute was updated. Allowable Values: Existing account token
token string Returned	Unique identifier of the dispute update. Allowable Values: 36 char max
created_time datetime Returned	Date and time when the dispute update was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "amount": 500,
  "status": "AH_WON",
  "notes": "account holder evidence accepted",
  "account_token": "my_account_token_12",
  "token": "dispute_update_token1234",
  "created_time": "2023-07-01T00:27:09Z"
}

Core API Basics

SDKs

Credentials

Account Holders

Funding

Just-in-Time Funding

Cards

Digital Wallets

Spend Control

Accounts

Transactions

3D Secure

Real-Time Decisioning

Disputes

Digital Banking

Credit Programs

Credit Account Management

Credit Account Servicing

Credit Reward Accounts

Testing

Webhooks

Documentation Index

​Create account dispute

​URL path parameters

​Request body

​Sample request body

​Response body

​Sample response body

​List account disputes

​URL path parameters

​URL query parameters

​Response body

​Sample response body

​Retrieve account dispute

​URL path parameters

​Response body

​Sample response body

​Update account dispute

​URL path parameters

​Request body

​Sample request body

​Response body

​Sample response body

Create account dispute

URL path parameters

Request body

Sample request body

Response body

Sample response body

List account disputes

URL path parameters

URL query parameters

Response body

Sample response body

Retrieve account dispute

URL path parameters

Response body

Sample response body

Update account dispute

URL path parameters

Request body

Sample request body

Response body

Sample response body