m2pfintech
API LibraryDisputes

Create Dispute (Raise Complaint)

Raises a dispute or complaint on a UPI transaction. Disputes can be raised for failed debits, failed credits, or unauthorized transactions. There is a time window within which disputes can be raised (configurable, typically 30-90 days). Duplicate disputes for the same transaction are not allowed.

POST
/upi/v1/wrapper/transaction/createDispute

Request Body

application/json

deviceInfo*

Device and SIM information required for UPI API authentication and tracking

channelCode*string
seqNo*string
txnId*string

Transaction ID of the disputed transaction

rrn*string

RRN of the disputed transaction

disputeType*string

Type of dispute

Value in"DEBIT_REVERSAL" | "CREDIT_NOT_RECEIVED" | "UNAUTHORIZED_TRANSACTION"
reason*string

Reason for raising the dispute

Response Body

application/json

curl -X POST "https://sandbox-upi-api.m2pfintech.com/upi/v1/wrapper/transaction/createDispute" \  -H "Content-Type: application/json" \  -d '{    "deviceInfo": {      "deviceId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",      "simId": "8991101200003204510",      "deviceType": "MOB",      "os": "Android",      "telecom": "Airtel",      "geoCode": "13.0827,80.2707",      "appId": "v2.0",      "ipAddress": "192.168.1.50",      "location": "Mumbai",      "mobile": "919876501234"    },    "channelCode": "HDFC0001234",    "seqNo": "750",    "txnId": "TXN20260301123456ABCD",    "rrn": "603012345678",    "disputeType": "DEBIT_REVERSAL",    "reason": "Amount debited but transaction failed"  }'

{
  "status": "SUCCESS",
  "exception": null,
  "seqNo": "750",
  "callbackRef": "dispute-uuid-12345",
  "message": "Dispute raised successfully",
  "result": {
    "disputeId": "DISP-UUID-001",
    "txnId": "TXN20260301123456ABCD",
    "disputeStatus": "RAISED"
  }
}

Register Delegate POST

Registers a delegate for UPI delegate payments. A delegator (account holder) authorizes a delegate (another user) to make payments on their behalf within configured limits. The delegate can then initiate payments that are debited from the delegators account. Both parties must consent to the delegation.

Create Dispute Response POST

Fetches the result of a previously initiated dispute creation. Pass the callbackRef from createDispute to check if the dispute was successfully registered with NPCI and the bank.