Chargebacks

The chargebacks resource represents a completed transaction that has been disputed by the issuer, usually on behalf of the card holder. To cover disputed charges, you can credit funds to the card holder's account at the time the chargeback is initiated. The /chargebacks endpoint allows you to view the chargeback state as it is updated as a chargeback progresses through the arbitration process. No more than 15 fraud-related chargebacks can be initiated against the same primary account number (PAN, also known as the card number).

Use the /cases endpoint to manage transaction disputes. See Case Management.

List chargebacks

Action: GET
Endpoint: /chargebacks

Use this endpoint to return an array of all chargebacks.

This endpoint supports pagination and sorting.

Query parameters

Name Type Required? Description Allowable Values
transaction_token string No Lists all chargebacks initiated against the specified transaction. Existing transaction token.

Issue a GET to /transactions to retrieve transaction tokens.
amount decimal No The amount of the chargeback. Use 0.00 format.
state string No The value of the chargeback's "state" field. INITIATED | REPRESENTMENT | PREARBITRATION | ARBITRATION | CASE_WON | CASE_LOST | WRITTEN_OFF_PROGRAM | WRITTEN_OFF_ISSUER | NETWORK_REJECTED | UNABLE_TO_PROCESS
network_case_id string No Card network-specific chargeback case identifier. Value is provided by the card network. 50 char max

The state field (response)

Chargeback State Description
INITIATED The chargeback has been created. Funds to cover the disputed charges have been credited to the card holder's account if credit_user field was true or unspecified at the time of creation.
REPRESENTMENT The case is in representment (also known as second presentment). The gateway/acquirer has disputed the chargeback. In some cases representment does not occur.
PREARBITRATION The case is in pre-arbitration (also known as arbitration chargeback). Upon receipt of a dispute from the gateway/acquirer (representment), the issuer can submit the chargeback a second time, possibly with more or different information. Only relevant chargebacks assume this status.
ARBITRATION The case is in arbitration. When a gateway/acquirer disputes a chargeback, the issuer can submit the case to the card network for arbitration after either the first or second (pre-arbitration) chargeback. In arbitration, the card network decides who wins the chargeback case.
CASE_WON The chargeback case is closed; Marqeta won.
CASE_LOST The chargeback case is closed; Marqeta lost.
WRITTEN_OFF_PROGRAM Can be transitioned to only from CASE_LOST or NETWORK_REJECTED. The chargeback is credited to the GPA of the user or business and the Marqeta customer absorbs the cost through a debit from the program funding source.
WRITTEN_OFF_ISSUER Can be transitioned to only from CASE_LOST or NETWORK_REJECTED. The chargeback is credited to the GPA of the user or business and Marqeta absorbs the cost.
NETWORK_REJECTED The card network rejected the chargeback submission.
UNABLE_TO_PROCESS Marqeta was unable to submit the chargeback to the card network. Rejections are usually caused by insufficient data being captured during authorization or clearing.

Sample response body

{
"count": 1,
"start_index": 0,
"end_index": 0,
"is_more": false,
"data": [
{
"token": "my_chargeback_03",
"transaction_token": "222",
"amount": 1,
"reason_description": "FRAUD_TRANSACTION",
"reason_code": "62",
"memo": "Charging back due to fraud",
"state": "INITIATED",
"channel": "ISSUER",
"network": "VISA",
"credit_user": true,
"created_time": "2017-08-03T19:22:07Z",
"last_modified_time": "2017-08-03T19:22:07Z"
}
]
}


Retrieve chargeback

Action: GET
Endpoint: /chargebacks/{token}

Use this endpoint to retrieve a specific chargeback.

URL path parameters

Name Type Required? Description Allowable Values
token string Yes Identifies the chargeback to return. Existing chargeback token.

Issue a GET to /chargebacks to retrieve chargeback tokens.

The state field (response)

Chargeback State Description
INITIATED The chargeback has been created. Funds to cover the disputed charges have been credited to the card holder's account if credit_user field was true or unspecified at the time of creation.
REPRESENTMENT The case is in representment (also known as second presentment). The gateway/acquirer has disputed the chargeback. In some cases representment does not occur.
PREARBITRATION The case is in pre-arbitration (also known as arbitration chargeback). Upon receipt of a dispute from the gateway/acquirer (representment), the issuer can submit the chargeback a second time, possibly with more or different information. Only relevant chargebacks assume this status.
ARBITRATION The case is in arbitration. When a gateway/acquirer disputes a chargeback, the issuer can submit the case to the card network for arbitration after either the first or second (pre-arbitration) chargeback. In arbitration, the card network decides who wins the chargeback case.
CASE_WON The chargeback case is closed; Marqeta won.
CASE_LOST The chargeback case is closed; Marqeta lost.
WRITTEN_OFF_PROGRAM Can be transitioned to only from CASE_LOST or NETWORK_REJECTED. The chargeback is credited to the GPA of the user or business and the Marqeta customer absorbs the cost through a debit from the program funding source.
WRITTEN_OFF_ISSUER Can be transitioned to only from CASE_LOST or NETWORK_REJECTED. The chargeback is credited to the GPA of the user or business and Marqeta absorbs the cost.
NETWORK_REJECTED The card network rejected the chargeback submission.
UNABLE_TO_PROCESS Marqeta was unable to submit the chargeback to the card network. Rejections are usually caused by insufficient data being captured during authorization or clearing.

Sample response body

{
"token": "my_chargeback_03",
"transaction_token": "222",
"amount": 1,
"reason_description": "FRAUD_TRANSACTION",
"reason_code": "62",
"memo": "Charging back due to fraud",
"state": "INITIATED",
"channel": "ISSUER",
"network": "VISA",
"credit_user": true,
"created_time": "2017-08-03T19:22:07Z",
"last_modified_time": "2017-08-03T19:22:07Z"
}


Retrieve chargeback transition

Action: GET
Endpoint: /chargebacks/transitions/{token}

Use this endpoint to retrieve a specific chargeback transition.

URL path parameters

Name Type Required? Description Allowable Values
token string Yes Identifies the chargeback transition to return. Existing chargeback transition token.

Issue a GET to /chargebacks/{chargeback_token}/transitions to retrieve chargeback transition tokens.

The state and type fields (response)

Chargeback State Chargeback Type Description
INITIATED initiated The chargeback has been created. Funds to cover the disputed charges have been credited to the card holder's account if credit_user field was true or unspecified at the time of creation.
REPRESENTMENT representment The case is in representment (also known as second presentment). The gateway/acquirer has disputed the chargeback. In some cases representment does not occur.
PREARBITRATION prearbitration The case is in pre-arbitration (also known as arbitration chargeback). Upon receipt of a dispute from the gateway/acquirer (representment), the issuer can submit the chargeback a second time, possibly with more or different information. Only relevant chargebacks assume this status.
ARBITRATION arbitration The case is in arbitration. When a gateway/acquirer disputes a chargeback, the issuer can submit the case to the card network for arbitration after either the first or second (pre-arbitration) chargeback. In arbitration, the card network decides who wins the chargeback case.
CASE_WON case.won The chargeback case is closed; Marqeta won.
CASE_LOST case.lost The chargeback case is closed; Marqeta lost.
WRITTEN_OFF_PROGRAM written.off.program Can be transitioned to only from CASE_LOST or NETWORK_REJECTED. The chargeback is credited to the GPA of the user or business and the Marqeta customer absorbs the cost through a debit from the program funding source.
WRITTEN_OFF_ISSUER written.off.issuer Can be transitioned to only from CASE_LOST or NETWORK_REJECTED. The chargeback is credited to the GPA of the user or business and Marqeta absorbs the cost.
NETWORK_REJECTED network.rejected The card network rejected the chargeback submission.
UNABLE_TO_PROCESS Marqeta was unable to submit the chargeback to the card network. Rejections are usually caused by insufficient data being captured during authorization or clearing.

Sample response body

{
"token": "my_chargeback_transition_06",
"state": "CASE_WON",
"previous_state": "INITIATED",
"channel": "ISSUER",
"chargeback_token": "my_chargeback_06",
"reason": "Uncontested",
"created_time": "2017-10-02T21:45:54Z",
"last_modified_time": "2017-10-02T21:45:54Z",
"type": "case.won",
"amount": 3
}


List transitions related to chargeback

Action: GET
Endpoint: /chargebacks/{chargeback_token}/transitions

Use this endpoint to return an array of all chargeback transitions related to a particular chargeback.

This endpoint supports pagination and sorting.

URL path parameters

Name Type Required? Description Allowable Values
chargeback_token string Yes Identifies the chargeback whose transitions you want to list. Existing chargeback token.

Issue a GET to /chargebacks to retrieve chargeback tokens.

The state and type fields (response)

Chargeback State Chargeback Type Description
INITIATED initiated The chargeback has been created. Funds to cover the disputed charges have been credited to the card holder's account if credit_user field was true or unspecified at the time of creation.
REPRESENTMENT representment The case is in representment (also known as second presentment). The gateway/acquirer has disputed the chargeback. In some cases representment does not occur.
PREARBITRATION prearbitration The case is in pre-arbitration (also known as arbitration chargeback). Upon receipt of a dispute from the gateway/acquirer (representment), the issuer can submit the chargeback a second time, possibly with more or different information. Only relevant chargebacks assume this status.
ARBITRATION arbitration The case is in arbitration. When a gateway/acquirer disputes a chargeback, the issuer can submit the case to the card network for arbitration after either the first or second (pre-arbitration) chargeback. In arbitration, the card network decides who wins the chargeback case.
CASE_WON case.won The chargeback case is closed; Marqeta won.
CASE_LOST case.lost The chargeback case is closed; Marqeta lost.
WRITTEN_OFF_PROGRAM written.off.program Can be transitioned to only from CASE_LOST or NETWORK_REJECTED. The chargeback is credited to the GPA of the user or business and the Marqeta customer absorbs the cost through a debit from the program funding source.
WRITTEN_OFF_ISSUER written.off.issuer Can be transitioned to only from CASE_LOST or NETWORK_REJECTED. The chargeback is credited to the GPA of the user or business and Marqeta absorbs the cost.
NETWORK_REJECTED network.rejected The card network rejected the chargeback submission.
UNABLE_TO_PROCESS Marqeta was unable to submit the chargeback to the card network. Rejections are usually caused by insufficient data being captured during authorization or clearing.

Sample response body

{
"count": 2,
"start_index": 0,
"end_index": 1,
"is_more": false,
"data": [
{
"token": "my_chargeback_transition_06",
"state": "CASE_WON",
"previous_state": "INITIATED",
"channel": "ISSUER",
"chargeback_token": "my_chargeback_06",
"reason": "Uncontested",
"created_time": "2017-10-02T21:45:54Z",
"last_modified_time": "2017-10-02T21:45:54Z",
"type": "case.won"
},
{
"token": "5ebef80d-f276-49ed-be96-a73e6d8b704c",
"state": "INITIATED",
"channel": "ISSUER",
"chargeback_token": "my_chargeback_06",
"transaction_token": "664",
"created_time": "2017-10-02T21:37:02Z",
"last_modified_time": "2017-10-02T21:37:02Z",
"type": "initiated"
}
]
}