Optimization Protection

Challenge a chargeback

Challenge a dispute by sending a POST request to the /disputes/{disputeId}/challenge endpoint with supporting documentation.

For chargebacks, use this endpoint to challenge the dispute by providing documentation that supports the validity of your transaction.
For supported pre-arbitration cases, use this endpoint to submit additional information or documentation requested by J.P. Morgan Disputes Operations during the pre-arbitration review process. Refer to pre-arbitration availability for supported cases.

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
`supportingDocuments`	Provides a list of supporting document(s) for the challenge request. Each document has `documentName` and `documentContent`. Ensure that the documents provided adhere to the document types.	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}/challenge

Scenario: Challenge a dispute

Json

{
  "last4CardNumber": "1118",
  "supportingDocuments": [
    {
      "documentName": "Sample.pdf",
      "documentContent": "base64-encoded-content."
    }
  ]
}

Response:

Json

{
  "requestId": "8be7709f-0e31-4838-a932-75e97fde35fd",
  "disputeId": 256156730,
  "actionProcessingStatus": "IN_PROGRESS",
  "disputeStatus": "NEW",
  "statusUpdateTimestamp": "2025-06-26T16:17:41.209382006Z",
  "traceId": "4af3bb3b-f3c7-402e-ae39-347771afaa2f"
}

Scenario: Challenge a dispute - invalid document type

Json

{
  "last4CardNumber": "1118",
  "supportingDocuments": [
    {
      "documentName": "Sample.txt",
      "documentContent": "Invalid document content, as plain text is not a valid format."
    }
  ]
}

Response:

Json

{
  "httpStatus": 400,
  "title": "Document validation failed",
  "requestId": "b750c808-1f77-4de6-8c6a-6844ce7fc096",
  "traceId": "7bcc6944-a411-47ae-a529-e094e4aa70dd",
  "context": [
    {
      "code": "11002",
      "message": "Invalid document type for network type : VI, allowed types are 'pdf/tif/tiff'",
      "field": "supportingDocument",
      "location": "BODY"
    }
  ]
}

Pre-arbitration availability.

Challenge a chargeback

Important request fields

Important response fields

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