Raise a Dispute

Raises a formal dispute for a specific transaction on behalf of a cardholder. The dispute is submitted to the card network for investigation and resolution.

How It Works

1. Identify the Transaction: Get the transaction details from the Transaction History API
2. Select Reason Code: Use the Fetch Reason Codes API to get applicable codes for the card network
3. Submit Dispute: Call this API with the transaction details and reason code
4. Track Status: A complaint ID is returned for tracking; use webhooks for status updates

Key Business Rules

• Each transaction can only be disputed once (duplicate disputes are rejected)
• The reasonId must be valid for the card's network type
• The customerIdentificationId should be the cardholder's entity ID or unique customer ID
• Transaction details (transactionDtls) must include the original transaction identifier (tranId)
• The dispute amount can be equal to or less than the original transaction amount
• Disputes must be raised within the network-specific time limit (typically 120 days from transaction)

Required Fields in Transaction Details

The transactionDtls object requires at minimum:

• tranId: Original transaction ID (from transaction history)
• tranAmt: Original transaction amount
• disputeAmt: Amount being disputed (≤ transaction amount)
• custMobile: Cardholder's mobile number
• entityId: Cardholder's entity ID
• kitNo: Card kit number

curl -X POST "https://sandbox-api.m2pprepaid.com/prepaid/corporate/v1/disputes/" \  -H "X-TENANT-ID: ACME_CORP" \  -H "Content-Type: application/json" \  -d '{    "customerIdentificationId": "798782647420001622070825",    "description": "Paid at store but goods were never delivered",    "reasonId": 40,    "networkId": 1,    "incomingTicketId": "TICKET_2024_001",    "enableNewReconPayload": true,    "transactionDtls": {      "entityId": "798782647420001622070825",      "kitNo": "910000031",      "tranId": "702959034",      "tranAmt": "2500.00",      "disputeAmt": "2500.00",      "disputeCurrency": "356",      "transactionCurrency": "356",      "channel": "POS",      "merchantName": "ABC Electronics Store",      "custMobile": "9876543210",      "custEmailId": "rajesh.kumar@email.com",      "txnOn": "2025-01-15 10:30:00",      "maskedCardNumber": "5231XXXXXXXX0015",      "rrn": "682246275971"    }  }'

{
  "result": [
    {
      "id": 136,
      "complaintId": "24112515053662",
      "disputeAmount": "2500.00",
      "disputeCurrency": "356",
      "reasonId": 40,
      "networkId": 1,
      "actionEntry": 1,
      "expiryDate": "2026-02-22 09:35:36",
      "raisedDate": "2025-11-24 09:35:36"
    }
  ],
  "pagination": null
}

{
  "type": "https://www.m2pfintech.com/problem/problem-with-message",
  "title": "Bad Request",
  "status": 400,
  "detail": "customerIdentificationId: must not be empty",
  "message": "error.http.400"
}

{
  "type": "https://www.m2pfintech.com/problem/problem-with-message",
  "title": "Duplicate Dispute Transaction Registration Attempt!",
  "status": 409,
  "detail": "Duplicate Dispute Transaction Registration Attempt!",
  "message": "error.business",
  "businessCode": "50009"
}