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Disputes testing

Last updated: 13th January 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 Hub.


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

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    {
    "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 Hub

    1. Log into your sandbox Hub account.
    2. Go to the Payments section.
    3. 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).
    4. When the payment has been captured, it will be visible in the Payments section.
    5. 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.

    Hub vs API payment amount

    The payment amount changes depending on whether you are using the Hub 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 methodPayment amountDispute reason code triggeredDispute code categoryCard 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 methodPayment amountDispute reason code triggeredDispute code categoryCard 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 methodPayment amountDispute reason code triggeredDispute code categoryCard 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 methodPayment amountDispute reason code triggeredDispute code categoryCard 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 methodPayment amountDispute reason code triggeredDispute code categoryCard 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 methodPayment amountDispute reason code triggeredDispute code categoryCard 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 methodPayment amountDispute reason code triggeredDispute code categoryCard 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 methodPayment amountDispute reason code triggeredDispute code categoryCard 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 methodPayment amountDispute reason code triggeredDispute code categoryCard 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 methodPayment amountDispute reason code triggeredDispute code categoryCard 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