--- title: "Simulating Cardholder Disputes" source_url: https://docs.rapyd.net/en/simulating-cardholder-disputes.html lang: en --- # Simulating Cardholder Disputes You can simulate cardholder disputes in the sandbox. Create a payment using a specific, reserved card number. Set `payment_method_options.3d_required` to **false**. See [Create Payment](https://docs.rapyd.net/en/create-payment.md "Create Payment"). The following asynchronous webhooks provide information about the `dispute` object: - [Dispute Created Webhook](https://docs.rapyd.net/en/dispute-created-webhook.md "Dispute Created Webhook") - [Dispute Updated Webhook](https://docs.rapyd.net/en/dispute-updated-webhook.md "Dispute Updated Webhook") - [Issuing Dispute Created Webhook](https://docs.rapyd.net/en/issuing-dispute-created-webhook.md "Issuing Dispute Created Webhook") - [Issuing Dispute Updated Webhook](https://docs.rapyd.net/en/issuing-dispute-updated-webhook.md "Issuing Dispute Updated Webhook") ### Reserved Card Numbers To simulate a specific type of dispute, use one of the following card numbers in the `payment_method` object of the Create Payment request: | Card Number | Type of Cardholder Dispute | | --- | --- | | 4539922288211219 | Goods or services not provided. | | 4556028624137080 | Subscription canceled. | | 4556942399248726 | Counterfeit merchandise. | | 5374500863109043 | Credit not processed. | | 5132803130357186 | Cardholder dispute - miscellaneous. | ### Example Disputed Transaction Request ```json curl -X post 'https://sandboxapi.rapyd.net/v1/payments/' \ -H 'access_key: your-access-key-here' \ -H 'Content-Type: application/json' \ -H 'idempotency: your-idempotency-parameter-here' \ -H 'salt: your-random-string-here' \ -H 'signature: your-calculated-signature-here' \ -H 'timestamp: your-unix-timestamp-here' \ --data-raw '{ "amount": 26.49, "currency": "USD", "merchant_reference_id": "0426202214", "payment_method": { "type": "is_visa_card", "fields": { "number": "4539922288211219", "expiration_month": "11", "expiration_year": "29", "cvv": "123", "name": "John Doe" } }, "ewallets": [ { "ewallet": "ewallet_e67c8ad63200d781470a04107fbd7c59", "percentage": 100 } ], "metadata": { "merchant_defined": "created" }, "capture": true, "payment_method_options": { "3d_required": false } }' ``` ### Example Disputed Transaction Response ```json { "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "068a6722-1d5e-4175-bbb4-405acf8409ee" }, "data": { "id": "payment_3961cadf5fd7deda16a4d35dc6b5b9de", "amount": 26.49, "original_amount": 26.49, "is_partial": false, "currency_code": "USD", "country_code": "IS", "status": "CLO", "description": "", "merchant_reference_id": "0426202214", "customer_token": "cus_6d2c342e1ed1c44fc23ff685f68f9d23", "payment_method": null, "payment_method_data": { "id": null, "type": "is_visa_card", "category": "card", "metadata": null, "image": "", "webhook_url": "", "supporting_documentation": "", "next_action": "not_applicable", "name": "John Doe", "last4": "1219", "acs_check": "unchecked", "cvv_check": "unchecked", "bin_details": { "type": "CREDIT", "brand": "VISA", "level": "GOLD", "issuer": "UNION BANK OF INDIA", "country": "IN", "bin_number": "453992" }, "expiration_year": "29", "expiration_month": "11", "fingerprint_token": "ocfp_f63d2a47a4ccca8613e8b00dc481d461", "network_reference_id": "123456", "payment_account_reference": "V001HTBU7TAUCDEJEYTS6L8914YUE" }, "auth_code": null, "expiration": 1752656505, "captured": true, "refunded": false, "refunded_amount": 0, "receipt_email": "", "redirect_url": "", "complete_payment_url": "", "error_payment_url": "", "receipt_number": "", "flow_type": "", "address": null, "statement_descriptor": "Doc Team", "transaction_id": "", "created_at": 1752051705, "metadata": { "merchant_defined": "created" }, "failure_code": "", "failure_message": "", "paid": true, "paid_at": 1752051705, "dispute": { "id": "5771ee12-ec84-41d9-8c36-3c016a1d8856", "token": "dispute_61c346fada6c8f9043f4ddf2ea33be53", "status": "ACT", "amount": 26.49, "currency": "USD", "dispute_category": "Cardholder Dispute", "dispute_reason_description": "Goods or Services Not Provided", "original_transaction_currency": "USD", "original_transaction_amount": 26.49, "original_dispute_amount": 26.49, "original_dispute_currency": "USD", "original_transaction_id": "payment_3961cadf5fd7deda16a4d35dc6b5b9de", "ewallet_id": "ewallet_e67c8ad63200d781470a04107fbd7c59", "central_processing_date": 1752051705, "created_at": 1752051705, "updated_at": 1752051705, "due_date": 1752829305, "payment_method": "card_f97fb7ebd1519e126a2927f957ad6f6c", "payment_method_data": { "id": "card_f97fb7ebd1519e126a2927f957ad6f6c", "type": "is_visa_card", "category": "card", "metadata": null, "image": "", "webhook_url": "", "supporting_documentation": "", "next_action": "not_applicable", "name": "John Doe", "last4": "1219", "acs_check": "unchecked", "cvv_check": "unchecked", "bin_details": { "type": "CREDIT", "brand": "VISA", "level": "GOLD", "issuer": "UNION BANK OF INDIA", "country": "IN", "bin_number": "453992" }, "expiration_year": "29", "expiration_month": "11", "fingerprint_token": "ocfp_f63d2a47a4ccca8613e8b00dc481d461" }, "rate": 0, "evidence": null, "evidence_reason_code": null, "pre_dispute": false, "arn": null, "claim_id": null }, "refunds": null, "order": null, "outcome": null, "visual_codes": {}, "textual_codes": {}, "instructions": [ { "name": "instructions", "steps": [ { "step1": "" } ] } ], "ewallet_id": "ewallet_e67c8ad63200d781470a04107fbd7c59", "ewallets": [ { "ewallet_id": "ewallet_e67c8ad63200d781470a04107fbd7c59", "amount": 26.49, "percent": 100, "refunded_amount": 0 } ], "payment_method_options": { "3d_required": false }, "payment_method_type": "is_visa_card", "payment_method_type_category": "card", "fx_rate": 1, "merchant_requested_currency": null, "merchant_requested_amount": null, "fixed_side": "", "payment_fees": null, "invoice": "", "escrow": null, "group_payment": "", "cancel_reason": null, "initiation_type": "customer_present", "mid": "", "next_action": "not_applicable", "error_code": "", "remitter_information": {}, "save_payment_method": false, "merchant_advice_code": null, "merchant_advice_message": null, "transaction_link_id": null } } ```