---
title: "Card Disputes"
source_url: https://docs.rapyd.net/en/card-disputes.html
lang: en
---

# Card Disputes

Card disputes and how to respond to them.

Customers can dispute a card payment for a variety of reasons. However, if they completed 3DS authentication during the card payment process, they cannot dispute a payment on the basis of fraud.

After a customer files a card dispute with their card issuer, Rapyd does the following:

- Deducts the disputed amount from the client's wallet.
- Notifies the client of the dispute.
- Enables the client to submit evidence to the card issuer via the Client Portal.
- Monitors and updates the dispute through its lifecycle:

  - **Active** - A payment dispute was received from the card issuer.
  - **Review** - The client challenged the dispute and the dispute is pending review.
  - **Pre-Arbitration** - The card issuer challenged a previously contested dispute. The dispute is under review.
  - **Arbitration** - The client rejected a pre-arbitration outcome. The dispute is pending an arbitration ruling by the card schemes.
  - **Win** - The client's dispute was successful.
  - **Lose** - The client accepted the dispute or the challenge failed.
  - **Reverse** - The card issuer dropped the dispute.

When a new dispute is initiated, the client can:

- Accept the dispute's validity.
- Challenge the dispute. The client has a limited number of days to challenge a dispute with supporting evidence. In the Client Portal, browse to **Collect > Review & Protect > Disputes** and see **Due date**.