# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Dispute reduction

Cardholders have payment dispute rights, which vary depending on the card brand and region of card issuance. Each country has different consumer protection laws, and you should familiarize yourself with them if you intend to accept card payments internationally. The payment brands and card issuers also provide detailed guidance on strategies to reduce card disputes and chargebacks.

Other than fraud cases, the cardholder may initiate a dispute when they do not recognize a purchase on their account history. The dispute can turn into a chargeback, which means you are charged for the disputed transaction and must go through chargeback resolution steps to recover the payment amount from your cardholder.

Here are ways that you can reduce disputes:

- Provide a clear and accurate statement descriptor or soft merchant data in a payment request. This helps ensure that the cardholder can identify your transaction and can contact you in case of any uncertainty.

- Ensure transactions are processed within the period expected by the cardholder and make it easy for them to find your contact information.

- Remember that the amount of information printed on a statement depends on the card issuer. By default, your company information gathered during your J.P. Morgan onboarding process is sent in the payment request to the card issuer. You may be able to override these defaults by using statement descriptors and/or soft merchant data.

> It’s important to remain transparent about the following:
> 
> 
> - When a consumer is charged or refunded
> 
> - How much they are charged
> 
> - Refund or exchange policies, terms and conditions, warranties, and limitations
> 
> - Conditions related to the transaction
> 
> - How to contact you in case the consumer has a question
> 

A dispute can sometimes be avoided if the consumer can pair an already credited refund with the purchase due to the transaction descriptors in their account history.