Optimization Protection

Accept a dispute

Accept liability for a dispute by sending a POST request to the /disputes/{disputeId}/accept endpoint. This endpoint applies to the following dispute types:

Retrieval requests: Accept the retrieval request and close the case without providing the requested information.
Chargebacks: Accept liability for the disputed transaction and close the dispute without challenging the chargeback.
Pre-arbitration: Accept liability for the disputed transaction and conclude the pre-arbitration review process without providing additional supporting documentation. Refer to pre-arbitration availability.

Important request fields

Important required request fields
Request field name	Description	Required	Location
`disputeId`	This path parameter is a unique identifier assigned by J.P. Morgan to track each inquiry or case created for a transaction dispute on an account.	Y	Path Parameter
`platform-id`	Use this ID to identify the platform sending the API request.	N	Header
`merchant-id`	Identifies a unique entity for transaction processing at the lowest level of the account hierarchy of the backend proprietary merchant acquiring processing platform. This level organizes transaction types for submission, funding, and reporting.	Y	Header
`request-id`	Unique request identifier provided by the requestor in the request header.	Y	Header
`last4CardNumber`	Identifies the last four digits of the 16 digit card number. The truncated value is used in place of the full number to protect against exposure of confidential information.	Y	Body

Important response fields

Important response fields
Response field name	Description
`actionProcessingStatus`	Dispute action processing status code, in response to the case action requested by you. Possible values: `IN_PROGRESS`: The request is being processed asynchronously. This is applicable for HTTP response status code `202`. Check the retrieve-status endpoint for updates. `COMPLETED`: The request was processed successfully. This is applicable for HTTP response status code `200`. Check error messages for details.
`traceId`	A number assigned by a transaction originator to assist in identifying a transaction uniquely. The systems trace audit number remains unchanged for all messages within a transaction.

HTTP method: POST

Endpoint: /disputes/{disputeId}/accept

Scenario: Accept liability for a dispute.

Json

{
    "last4CardNumber": "1118"
}

Response:

Json

{
  "requestId": "015e41d5-a4de-47af-8378-d5ed67784610",
  "disputeId": 256156730,
  "actionProcessingStatus": "IN_PROGRESS",
  "disputeStatus": "NEW",
  "statusUpdateTimestamp": "2025-06-26T17:08:23.363105353Z",
  "traceId": "5e13566d-045a-4207-b0ae-df241e6c50fa"
}

Pre-arbitration availability

Accept a dispute

Important request fields

Important response fields

Related