Card Disputes

Cards is available in sandbox only while we finish development. Dakota enables Cards per account. The Cards endpoints are in the API reference, marked Sandbox only. Endpoints, fields, and flows can still change before release.

When a cardholder disputes a purchase, they tell you. You report it to Dakota with POST /card_dispute_reports, and Dakota files the dispute with the card network.

POST /card_dispute_reports
X-Idempotency-Key: 6c1d2e3f-4a5b-4c6d-8e7f-9a0b1c2d3e4f

{
  "card_id": "2tQRvvnYkN6edEJUTmF1LzTj2ug",
  "card_transaction_id": "2tQRvH4jK8mNpQ2rS6tUvW9xYzC",
  "client_reference": "SUP-48213",
  "reason": "unauthorized",
  "description": "Cardholder never authorized this charge and still holds the card.",
  "consumer_notified_client_at": "2026-09-18T14:02:11Z",
  "client_forwarded_at": "2026-09-18T16:40:00Z"
}

Field	Notes
`card_id`	Required.
`card_transaction_id`	Send it if you know it. Do not wait for it: the report is recorded either way.
`client_reference`	Required. Your case ID, unique across your reports. A duplicate returns `409` naming the existing report, so retrying after a timeout is safe.
`reason`	Required. `unauthorized`, `not_received`, `incorrect_amount`, `duplicate`, `cancelled_recurring`, or `other`.
`description`	The cardholder’s account of what happened.
`disputed_amount`, `disputed_currency`	For a partial dispute, send both, in major units. Omit both to dispute the whole purchase.
`consumer_notified_client_at`	Required. When the cardholder told you.
`client_forwarded_at`	Required. When you reported it to Dakota. Not earlier than `consumer_notified_client_at`, and neither can be in the future.

Networks set deadlines on disputes, so report them promptly. Reporting a dispute does not change the card or the transaction: it does not reverse the charge or credit the wallet. The response is the report, with state received when you named the transaction, or awaiting_transaction when you did not.

Not built yet: reading a report back, dispute webhooks, evidence upload, dispute outcomes, and credits to the wallet. Today, the create response is your only view of the report.

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