Accept/Reject Chargeback API

The Accept/Reject Chargeback API allows the merchant user to accept the chargeback by providing the appropriate reasons in the request body against the chargeback and merchant ID. The API supports file uploads through base64 encoding directly in the JSON payload.

HTTP Method: PATCH

Request parameters

Request header

Parameter	Description
`X-Optimus-API-Key`	Merchant authentication key
`Content-Type`	Must be set to application/json

This must contain the header with token you get using the Get Token API in the following format:

\--header 'X-Optimus-API-Key: <Bearer token>'

Request body

Parameter	Description
chargeback_id `mandatory`	`String` The ID of the chargeback to respond to
merchant_key `mandatory`	`String`Key of merchant
dispute_type `mandatory`	`String`Types of response: `accept`, `partially_accept`, `contest`. For the dispute_type as `partially_accept` or `contest`, refer to the notes in the File upload fields table
reason_code `mandatory`	`Array` An array of reason codes with form data. For more information, refer to Reason code structure.

Reason code structure

The parameter must be an array of objects with the following structure:

[
  {
    "uuid": "reason-uuid",
    "form_data": [
      {
        "identifier": "form-field-uuid",
        "value": "field-value"
      }
      // Additional form fields...
    ]
  }
  // Additional reasons if applicable...
]

File upload fields

For file upload fields (identified by tag_type: "file_tag" in the system):

{
  "identifier": "file-field-uuid",
  "value": "BASE64_ENCODED_FILE_CONTENT",
  "filename": "evidence.pdf",
  "content_type": "application/pdf"
}

Field	Description
identifier `mandatory`	UUID of the file field
value `mandatory`	Base64 encoded file content.
filename `mandatory`	Original filename with extension. Notes: The file size limit is 5MB per file. File uploads are processed as base64 encoded strings directly in the JSON payload. Do not use multipart/form-data. When using `partially_accept` as the dispute type, you must include a form field with the value (amount) that is less than the total chargeback amount and greater than 0. Each form field has a specific UUID that must be used correctly for the system to process your response. Do not upload file for when using `accept` as the dispute type.
content_type `mandatory`	MIME type of the file

Sample request

Accept a Chargeback

curl --location --request PATCH 'https://bankportal.payu.in/api/v1/chargebacks/dispute' \
--header 'X-Optimus-API-Key: MERCHANT KEY' \
--header 'Content-Type: application/json' \
--data-raw '{
  "reason_code": [
    {
      "uuid": "bb10e1bb-f128-4ace-ab0f-59881f11fa4d",
      "form_data": [
        {
          "identifier": "bb10e1bb-f128-4ace-ab0f-59881f11fa4d",
          "value": "We accept this chargeback due to service issue."
        }
      ]
    }
  ],
  "chargeback_id": "1128897",
  "merchant_key": "2WEDS",
  "dispute_type": "accept"
}'

Contest a Chargeback with file evidence

curl --location --request PATCH 'https://bankportal.payu.in/api/v1/chargebacks/dispute' \
--header 'X-Optimus-API-Key: MERCHANT KEY' \
--header 'Content-Type: application/json' \
--data-raw '{
  "reason_code": [
    {
      "uuid": "cc20e2cc-f238-5bdf-ab0f-59881f11fa4e",
      "form_data": [
        {
          "identifier": "cc20e2cc-f238-5bdf-ab0f-59881f11fa4e",
          "value": "We are contesting this chargeback. Please see attached proof of delivery."
        },
        {
          "identifier": "200edfd3-84b6-4311-8486-23887f167772",
          "value": "BASE64_ENCODED_FILE_CONTENT_HERE",
          "filename": "delivery_proof.pdf",
          "content_type": "application/pdf"
        }
      ]
    }
  ],
  "chargeback_id": "1128897",
  "merchant_key": "2WEDS",
  "dispute_type": "contest"
}'

Partially accept a Chargeback

curl --location --request PATCH 'https://bankportal.payu.in/api/v1/chargebacks/dispute' \
--header 'X-Optimus-API-Key: MERCHANT KEY' \
--header 'Content-Type: application/json' \
--data-raw '{
  "reason_code": [
    {
      "uuid": "dd30e3dd-f348-6ceg-ab0f-59881f11fa4f",
      "form_data": [
        {
          "identifier": "6f92dad0-4446-4465-bfea-17f587e973d4",
          "value": "500.00"
        },
        {
          "identifier": "dd30e3dd-f348-6ceg-ab0f-59881f11fa4f-comments",
          "value": "We can partially refund as customer was charged for premium service but received standard service."
        }
      ]
    }
  ],
  "chargeback_id": "1128897",
  "merchant_key": "2WEDS",
  "dispute_type": "partially_accept"
}'

Response parameters

Parameter	Description
id	This parameter contains the chargeback ID.
type	The parameter contains the chargeback-details as type.
attributes	This parameter contains the chargeback details in a JSON format. For more information, refer to attributes JSON field descriptions.

attributes JSON field descriptions

Field	Description	Example
id	This field contains the chargeback ID.	1035881
payu-id	The field contains the PayU ID of the merchant.	15420278029
status	This field contains the status of the chargeback.	Pending Doc Review

Sample response

Success scenario

{
    "data": {
        "id": "1035881",
        "type": "chargeback-details",
        "attributes": {
            "id": 1035881,
            "payu-id": "15420278029",
            "status": "Pending Doc Review"
        }
    }
}