Disputes testing

Last updated: 14th July 2022

Checkout’s testing environment lets you simulate disputes (also called chargebacks). You can test how a dispute goes through a production lifecycle using the disputes API or the Dashboard.

How to test a dispute

To test a dispute, generate a payment request with specific information from the test scenarios. Without this, the test dispute won't be created.

The test payment should be authorized and then captured within 5 minutes. By default, payments should be auto-captured, but if this fails, you have the option to manually capture a payment.

Using the API

Request a payment with the test details we've provided.

Request examples

Choose the correct amount

Your chosen currency will determine the value you need to provide in the amount field. You cannot test disputes with currencies whose value is the same as the full charge amount.

    {
      "source": {
        "type": "card",
        "number": "4242424242424242",
        "expiry_month": 1,
        "expiry_year": 2099,
        "name": "Sarah Mitchell",
        "cvv": "100"
      },
      "amount": 1040,
      "currency": "GBP",
      "reference": "Testing disputes for Visa"
    }

Once you've created a payment request with the API, wait a few minutes before using the disputes API to retrieve a list of disputes.

Using the Dashboard

Log into your sandbox Dashboard account.
Go to the Payments section.
Make a payment by entering a valid test card number for the payment method you want to test for, with a corresponding amount and card expiry date (as set out in the scenario-specific tables).
When the payment has been captured, it will be visible in the Payments section.
Go to the Disputes section to view the generated test dispute.

Disputes will appear after a 1-minute delay.

Dispute test scenarios

Select the dispute scenarios we've provided to begin testing.

Dashboard vs API payment amount

The payment amount changes depending on whether you are using the Dashboard or the API to test. Select the appropriate tab to ensure your test is triggered.

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

API status is resolved and chargeback code is AUTO.

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	10.42	10.4	Fraudulent	01/2099
Visa	13.12	13.1	Product/service not received	01/2099
Mastercard	48.57	4855	Product/service not received	01/2099
Mastercard	48.61	4860	Credit not issued	01/2099
Amex	45.18	4517	Unrecognized	01/2099
Amex	45.42	4540	Fraudulent	01/2099

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

API status is resolved and chargeback code is ARWS.

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	10.5	10.5	Fraudulent	01/2099
Visa	13.11	13.1	Product/service not received	01/2099
Mastercard	48.37	4835	Fraudulent	01/2099
Mastercard	48.56	4855	Product/service not received	01/2099
Amex	45.17	4517	Unrecognized	01/2099
Amex	45.41	4540	Fraudulent	01/2099

You are required to submit evidence to defend against the dispute.

API status is evidence_required and chargeback code is ADJM.

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	10.4	10.4	Fraudulent	01/2099
Visa	13.1	13.1	Product/service not received	01/2099
Mastercard	48.55	4855	Product/service not received	01/2099
Mastercard	48.6	4860	Credit not issued	01/2099
Amex	45.16	4516	Unrecognized	01/2099
Amex	45.4	4540	Fraudulent	01/2099

The issuer has canceled the dispute.

API status is canceled and chargeback code is CBRV.

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	10.43	10.4	Fraudulent	01/2099
Visa	13.13	13.1	Product/service not received	01/2099
Mastercard	48.58	4855	Product/service not received	01/2099
Mastercard	48.62	4860	Credit not issued	01/2099
Amex	45.19	4517	Unrecognized	01/2099
Amex	45.43	4540	Fraudulent	01/2099

You have submitted evidence and the issuer is reviewing it.

API status is evidence_under_review and chargeback code is RPDR.

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	13.14	13.1	Product/service not received	01/2099
Visa	10.44	10.4	Fraudulent	01/2099
Mastercard	48.59	4855	Product/service not received	01/2099
Mastercard	48.63	4860	Credit not issued	01/2099
Amex	45.1	4517	Unrecognized	01/2099
Amex	45.44	4540	Fraudulent	01/2099

The issuer has accepted your evidence and you have won the dispute.

API status is won and chargeback code is RPDW.

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	10.45	10.4	Fraudulent	01/2099
Visa	13.15	13.1	Product/service not received	01/2099
Mastercard	48.5	4855	Product/service not received	01/2099
Mastercard	48.64	4860	Credit not issued	01/2099
Amex	45.11	4517	Unrecognized	01/2099
Amex	45.45	4540	Fraudulent	01/2099

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

API status is lost and chargeback code is RPDL.

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	10.46	10.4	Fraudulent	01/2099
Visa	13.16	13.1	Product/service not received	01/2099
Mastercard	48.51	4855	Product/service not received	01/2099
Mastercard	48.65	4860	Credit not issued	01/2099
Amex	45.12	4517	Unrecognized	01/2099
Amex	45.46	4540	Fraudulent	01/2099

You have escalated your case to arbitration.

API status is arbitration_under_review and chargeback code is ARBR.

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	10.47	10.4	Fraudulent	01/2099
Visa	13.17	13.1	Product/service not received	01/2099
Mastercard	48.52	4855	Product/service not received	01/2099
Mastercard	48.66	4860	Credit not issued	01/2099
Amex	45.13	4517	Unrecognized	01/2099
Amex	45.47	4540	Fraudulent	01/2099

Arbitration has decided in your favour.

API status is arbitration_won and chargeback code is ARBW.

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	10.49	10.4	Fraudulent	01/2099
Visa	13.19	13.1	Product/service not received	01/2099
Mastercard	48.54	4855	Product/service not received	01/2099
Mastercard	48.68	4860	Credit not issued	01/2099
Amex	45.15	4517	Unrecognized	01/2099
Amex	45.49	4540	Fraudulent	01/2099

Arbitration has decided against you.

API status is arbitration_lost and chargeback code is ARBL.

Payment method	Payment amount	Dispute reason code triggered	Dispute code category	Card expiry date
Visa	10.48	10.4	Fraudulent	01/2099
Visa	13.18	13.1	Product/service not received	01/2099
Mastercard	48.53	4855	Product/service not received	01/2099
Mastercard	48.67	4860	Credit not issued	01/2099
Amex	45.14	4517	Unrecognized	01/2099
Amex	45.48	4540	Fraudulent	01/2099