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Filing disputes is a time consuming and often confusing process. Use the Decisionly API to quickly and confidently file your disputes. Our API ensures that you will meet all the requirements and timelines for the type of dispute you wish to file.
Before you can make requests to the Decisionly API, you will need to grab your API key from your dashboard settings.

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Step 1: Create a case

Create a case with cardholder information, card details, transaction information, and dispute details: 
curl https://api.decisionly.com/v2/issuer/cases \
  -u test_d0019b48d05849a6: \
  -H "Content-Type: application/json" \
  -d '{
    "reason": "product_not_received",
    "cardholder": {
      "name": "Jane Smith",
      "email": "jane@example.com",
      "type": "individual"
    },
    "merchant": {
      "name": "FoodHub",
      "category_code": "5812"
    },
    "transaction": {
      "arn": "48162855246353338636162",
      "date": "2025-01-15T00:00:00.000Z",
      "amount": 2990,
      "currency": "USD",
      "system": "dual_message",
      "card": {
        "network": "visa",
        "type": "credit",
        "last4": "4242",
        "expiry_month": 12,
        "expiry_year": 2028
      }
    },
    "dispute": {
      "date": "2025-02-01T00:00:00.000Z",
      "amount": 2990,
      "currency": "USD",
      "raised_by": "cardholder"
    },
    "issuer_evidence": {
      "cardholder_explanation": "I never received this order"
    }
  }'

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Step 2: File the case

File the case with the card network: 
curl https://api.decisionly.com/v2/issuer/cases/case_abc123/file \
  -u test_d0019b48d05849a6: \
  -X POST \
  -H "Content-Type: application/json" \
  -d '{
    "file_mode": "auto"
  }'
Set file_mode to auto to let your workflow rules determine how the case should be filed, or chargeback to file the case as a chargeback.

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Next Steps

Dispute Types

Learn about the different dispute reasons and requirements

Workflow Rules

Set up rules to automate your filing decisions