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First chargeback

A first chargeback, is the initial phase in the dispute life-cycle, initiated when your consumer questions a transaction. Their issuing bank initiates the dispute through the payment brand to the acquirer and reverses the transaction. You then conduct research to determine whether to accept the chargeback or contest it by providing evidence. This stage is crucial to the resolution process and can impact your financial standing and reputation. Prompt and careful handling is essential.

When submitting inquiries relating to a first chargeback the disputeStatus of the first chargeback and the outcome will be returned in many of the responses. The following tables summarize the various field values pertinent to a first chargeback.

First chargeback status types

First chargeback status types
Dispute status type                                                        Description Potential next status type
NEW

Dispute case received.

CHALLENGED_MERCHANT,

 NEEDS_RESPONSE, 

CHALLENGED_JPMC, ACCEPTED,

 CLOSED
NEEDS_RESPONSE Dispute pending your documents.

CHALLENGED_MERCHANT,

 CHALLENGE_DENIED, 

ACCEPTED, EXPIRED
NEED_ADDITIONAL_INFORMATION
 More information requested by J.P. Morgan

CHALLENGED_MERCHANT,

 CHALLENGE_DENIED, 

ACCEPTED, EXPIRED
ACCEPTED You accepted the liability.

CHALLENGED_MERCHANT, End of dispute cycle
CHALLENGED_JPMC Dispute challenged on your behalf by J.P. Morgan.

UNDER_ISSUER_REVIEW, CLOSED
UNDER_ISSUER_REVIEW Dispute has been returned to the issuer for review.

CLOSED
CHALLENGED_MERCHANT

Dispute challenged by you.

NEED_ADDITIONAL_INFORMATION, 

CHALLENGE_DENIED,

UNDER_ISSUER_REVIEW, CLOSED
CHALLENGE_DENIED Case can not be challenged due to no representation rights per network rules.

End of dispute cycle
CLOSED Dispute Cycle complete.

End of dispute cycle
EXPIRED
 Dispute has expired as due date has passed.

End of dispute cycle

First chargeback outcome types

First chargeback outcome types
Dispute outcome type Description
PENDING  Final decision/result pending.
LOST You lost dispute.
WON You won dispute.
PARTIALLY_WON You won partial disputed amount.

First chargeback operations

Overview