Disputes testing

Last updated: December 17, 2025

You can simulate disputes (also called chargebacks) in the Checkout.com testing environment. You can test how a dispute goes through a production lifecycle using:

The Disputes API
The Dashboard

Request a payment using information from a test dispute scenario.
Checkout.com authorizes and then captures the test payment within five minutes. By default, payments are auto-captured, but if this fails, you can manually capture the payment.
Checkout.com creates a test dispute based on the specified scenario.

Note

If you do not use a test scenario, the test dispute is not created.

You can create a test dispute using the API or the Dashboard.

Sign in to the sandbox Dashboard.
Go to Payments > Processing > Virtual terminal.
If prompted, select a processing channel.
Create a payment by entering a valid test card number, with the amount and card expiry date from a test scenario.
Select Confirm payment.
Go to Payments > Processing > All Payments.
When the payment has been captured after approximately one minute, it is displayed on this page.
Go to Payments > Processing > Disputes to view the generated test dispute.

Call the Request a payment or payout endpoint using the details of a test scenario.

Note

Provide the amount in the major currency unit. You cannot test disputes with currencies that use the full amount.

post

https://api.sandbox.checkout.com/payments


1{
2  "source": {
3    "type": "card",
4    "number": "4242424242424242",
5    "expiry_month": 1,
6    "expiry_year": 2099,
7    "name": "John Smith",
8    "cvv": "100"
9  },
10  "amount": 1040,
11  "currency": "GBP",
12  "reference": "Testing disputes for Visa"
13}


1{
2  "source": {
3    "type": "card",
4    "number": "4242424242424242",
5    "expiry_month": 1,
6    "expiry_year": 2099,
7    "name": "John Smith",
8    "cvv": "100"
9  },
10  "amount": 10400,
11  "currency": "BHD",
12  "reference": "Testing disputes for Visa"
13}

Wait a few minutes, and then call the Get disputes endpoint to retrieve a list of disputes.

post

https://api.sandbox.checkout.com/disputes


1{
2  "limit": 10,
3  "skip": 10,
4  "from": "2018-08-12T01:15:56Z",
5  "to": "2018-08-13T11:09:01Z",
6  "id": "dsp_rbhwd2qrg13uhrp2newfcd",
7  "entity_ids": "ent_wxglze3wwywujg4nna5fb7ldli,ent_vkb5zcy64zoe3cwfmaqvqyqyku",
8  "sub_entity_ids": "ent_uzm3uxtssvmuxnyrfdffcyjxeu,ent_hy5wtzwzeuwefmsnjtdhw4scfi",
9  "processing_channel_ids": "pc_uzm3uxtssvmuxnyrfdffcyjxeu,pc_hy5wtzwzeuwefmsnjtdhw4scfi",
10  "segment_ids": "string",
11  "statuses": "evidence_required,evidence_under_review",
12  "payment_id": "pay_lzmo6p0i3612judj754w1ngtil",
13  "payment_reference": "th7zxa1kcnqmes8",
14  "payment_arn": "74548998294293193445538",
15  "payment_mcc": "5021",
16  "this_channel_only": true,
17  "total_count": 1,
18  "data": [
19    {
20      "id": "dsp_rbhwd2qrg13uhrp2newfafreds",
21      "entity_id": "ent_wxglze3wwywujg4nna5fb7ldli",
22      "sub_entity_id": "ent_uzm3uxtssvmuxnyrfdffcyjxeu",
23      "processing_channel": "pc_uzm3uxtssvmuxnyrfdffcyjxeu",
24      "segment_id": "string",
25      "category": "fraudulent",
26      "status": "evidence_required",
27      "amount": 999,
28      "currency": "GBP",
29      "reason_code": "10.4",
30      "payment_id": "pay_88cb4e671m1da22e9bbbyx",
31      "payment_action_id": "act_mbabizu24mvu3mela5njyhpit4",
32      "payment_reference": "th7zxa1kcnqmes8",
33      "payment_arn": "74548998294293193445538",
34      "payment_mcc": "5021",
35      "payment_method": "VISA",
36      "evidence_required_by": "2018-08-22T00:00:00Z",
37      "received_on": "2018-08-01T01:15:56Z",
38      "last_update": "2018-08-12T04:15:56Z",
39      "resolved_reason": "already_refunded",
40      "is_ce_candidate": true,
41      "_links": {
42        "self": {
43          "href": "https://api.checkout.com/disputes/dsp_rbhwd2qrg13uhrp2newf"
44        }
45      }
46    }
47  ]
48}

Use one of the following scenarios to create a test dispute. Each scenario triggers a specific dispute status and chargeback code.

Note

The payment amount differs depending on whether you test using the Dashboard or the API.

You have already refunded the customer. Checkout.com automatically submitted evidence on your behalf and the dispute is resolved.

Dispute status – resolved
Chargeback code – AUTO

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	Dashboard – 10.42, 1.042, 1042 API – 1042	10.4	Fraudulent	01/2099
Visa	Dashboard – 13.12, 1.312, 1312 API – 1312	13.1	Product/service not received	01/2099
Mastercard	Dashboard – 48.57, 4.857, 4857 API – 4857	4855	Product/service not received	01/2099
Mastercard	Dashboard – 48.61, 4.861, 4861 API – 4861	4860	Credit not issued	01/2099
Amex	Dashboard – 45.18, 4.518, 4518 API – 4518	4517	Unrecognized	01/2099
Amex	Dashboard – 45.42, 4.542, 4542 API – 4542	4540	Fraudulent	01/2099

The dispute is resolved by the merchant or scheme outside of the formal dispute process.

Dispute status – resolved
Chargeback code – ARWS

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	Dashboard – 10.5, 0.105, 105 API – 1050	10.5	Fraudulent	01/2099
Visa	Dashboard – 13.11, 1.311, 1311 API – 1311	13.1	Product/service not received	01/2099
Mastercard	Dashboard – 48.37, 4.837, 4837 API – 4837	4835	Fraudulent	01/2099
Mastercard	Dashboard – 48.56, 4.856, 4856 API – 4856	4855	Product/service not received	01/2099
Amex	Dashboard – 45.17, 4.517, 4517 API – 4517	4517	Unrecognized	01/2099
Amex	Dashboard – 45.41, 4.541, 4541 API – 4541	4540	Fraudulent	01/2099

You must submit evidence to defend against the dispute.

Dispute status – evidence_required
Chargeback code – ADJM

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	Dashboard – 10.4, 0.104, 104 API – 1040	10.4	Fraudulent	01/2099
Visa	Dashboard – 13.1, 0.131, 131 API – 1310	13.1	Product/service not received	01/2099
Mastercard	Dashboard – 48.55, 4.855, 4855 API – 4855	4855	Product/service not received	01/2099
Mastercard	Dashboard – 48.6, 0.486, 486 API – 4860	4860	Credit not issued	01/2099
Amex	Dashboard – 45.16, 4.516, 4516 API – 4516	4516	Unrecognized	01/2099
Amex	Dashboard – 45.4, 0.454, 454 API – 45.40	4540	Fraudulent	01/2099

The issuer canceled the dispute.

Dispute status – canceled
Chargeback code – CBRV

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	Dashboard – 10.43, 1.043, 1043 API – 1043	10.4	Fraudulent	01/2099
Visa	Dashboard – 13.13, 1.313, 1313 API – 1313	13.1	Product/service not received	01/2099
Mastercard	Dashboard – 48.58, 4.858, 4858 API – 4858	4855	Product/service not received	01/2099
Mastercard	Dashboard – 48.62, 4.862, 4862 API – 4862	4860	Credit not issued	01/2099
Amex	Dashboard – 45.19, 4.519, 4519 API – 4519	4517	Unrecognized	01/2099
Amex	Dashboard – 45.43, 4.543, 4543 API – 45.43	4540	Fraudulent	01/2099

You submitted evidence and the issuer is reviewing it.

Dispute status – evidence_under_review
Chargeback code – RPDR

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	Dashboard – 13.14, 1.314, 1314 API – 1314	13.1	Product/service not received	01/2099
Visa	Dashboard – 10.44, 1.044, 1044 API – 1044	10.4	Fraudulent	01/2099
Mastercard	Dashboard – 48.59, 4.859, 4859 API – 4859	4855	Product/service not received	01/2099
Mastercard	Dashboard – 48.63, 4.863, 4863 API – 4863	4860	Credit not issued	01/2099
Amex	Dashboard – 45.1, 0.451, 451 API – 4510	4517	Unrecognized	01/2099
Amex	Dashboard – 45.44, 4.544, 4544 API – 4544	4540	Fraudulent	01/2099

The issuer accepted your evidence and you won the dispute.

Dispute status – won
Chargeback code – RPDW

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	Dashboard – 10.45, 1.045, 1045 API – 1045	10.4	Fraudulent	01/2099
Visa	Dashboard – 13.15, 1.315, 1315 API – 1315	13.1	Product/service not received	01/2099
Mastercard	Dashboard – 48.5, 0.485, 485 API – 4850	4855	Product/service not received	01/2099
Mastercard	Dashboard – 48.64, 4.864, 4864 API – 4864	4860	Credit not issued	01/2099
Amex	Dashboard – 45.11, 4.511, 4511 API – 4511	4517	Unrecognized	01/2099
Amex	Dashboard – 45.45, 4.545, 4545 API – 4545	4540	Fraudulent	01/2099

The issuer was not satisfied with your evidence and you lost the dispute.

Dispute status – lost
Chargeback code – RPDL

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	Dashboard – 10.46, 1.046, 1046 API – 1046	10.4	Fraudulent	01/2099
Visa	Dashboard – 13.16, 1.316, 1316 API – 1316	13.1	Product/service not received	01/2099
Mastercard	Dashboard – 48.51, 4.851, 4851 API – 4851	4855	Product/service not received	01/2099
Mastercard	Dashboard – 48.65, 4.865, 4865 API – 4865	4860	Credit not issued	01/2099
Amex	Dashboard – 45.12, 4.512, 4512 API – 4512	4517	Unrecognized	01/2099
Amex	Dashboard – 45.46, 4.546, 4546 API – 4546	4540	Fraudulent	01/2099

You escalated the dispute to arbitration.

Dispute status – arbitration_under_review
Chargeback code – ARBR

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	Dashboard – 10.47, 1.047, 1047 API – 1047	10.4	Fraudulent	01/2099
Visa	Dashboard – 13.17, 1.317, 1317 API – 1317	13.1	Product/service not received	01/2099
Mastercard	Dashboard – 48.52, 4.852, 4852 API – 4852	4855	Product/service not received	01/2099
Mastercard	Dashboard – 48.66, 4.866, 4866 API – 4866	4860	Credit not issued	01/2099
Amex	Dashboard – 45.13, 4.513, 4513 API – 4513	4517	Unrecognized	01/2099
Amex	Dashboard – 45.47, 4.547, 4547 API – 4547	4540	Fraudulent	01/2099

You won the arbitration case.

Dispute status – arbitration_won
Chargeback code – ARBW

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	Dashboard – 10.49, 1.049, 1049 API – 1049	10.4	Fraudulent	01/2099
Visa	Dashboard – 13.19, 1.319, 1319 API – 1319	13.1	Product/service not received	01/2099
Mastercard	Dashboard – 48.54, 4.854, 4854 API – 4854	4855	Product/service not received	01/2099
Mastercard	Dashboard – 48.68, 4.868, 4868 API – 4868	4860	Credit not issued	01/2099
Amex	Dashboard – 45.15, 4.515, 4515 API – 4515	4517	Unrecognized	01/2099
Amex	Dashboard – 45.49, 4.549, 4549 API – 4549	4540	Fraudulent	01/2099

You lost the arbitration case.

Dispute status – arbitration_lost
Chargeback code – ARBL

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	Dashboard – 10.48, 1.048, 1048 API – 1048	10.4	Fraudulent	01/2099
Visa	Dashboard – 13.18, 1.318, 1318 API – 1318	13.1	Product/service not received	01/2099
Mastercard	Dashboard – 48.53, 4.853, 4853 API – 4853	4855	Product/service not received	01/2099
Mastercard	Dashboard – 48.67, 4.867, 4867 API – 4867	4860	Credit not issued	01/2099
Amex	Dashboard – 45.14, 4.514, 4514 API – 4514	4517	Unrecognized	01/2099
Amex	Dashboard – 45.48, 4.548, 4548 API – 4548	4540	Fraudulent	01/2099

Disputes testing

How it works

Note

Create a test dispute

Create a test dispute in the Dashboard

Create a test dispute using the API

Note

Request examples

Response example

Dispute test scenarios

Note

Resolved – Refund already processed

Resolved – Outside of dispute process

Evidence required

Canceled

Evidence under review

Won

Lost

Arbitration under review

Arbitration won

Arbitration lost