Paymend API documentation

One row per dispute event recorded during the period. A dispute event is a signal received from a consumer or their issuing bank card scheme, via the acquirer, card scheme or a fraud prevention provider, which has been matched to one of your payments.

report_payments_disputed-{merchant_name}-{period_start}_to_{period_end}.csv

Bounded on event_created_at — when Paymend recorded the event, not when the underlying payment was posted.

Event types

`event_type`	`event_program`	What it is
`ALERT`	`ETHOCA`	Ethoca alert — the issuer has flagged the transaction, giving a window to refund before it becomes a chargeback.
`ALERT`	`VERIFI_CDRN`	Verifi CDRN alert, same purpose via a different network.
`RDR`	`VERIFI_RDR`	Rapid Dispute Resolution — the dispute was resolved automatically by Verifi. Funds are credited to the consumer.
`CHARGEBACK`	(empty)	A chargeback was raised. Funds are credited to the consumer.
`FRAUD_REPORT`	`TC40`	A TC40 fraud report was filed by the issuer.

Columns

Column	Type	Description
`event_id`	string	Unique identifier for this dispute event. Joins to the settlement report.
`event_created_at`	timestamp	When Paymend recorded the event. UTC.
`payment_id`	string	The disputed payment. Matches `event_id` in the payments created report.
`payment_created_at`	timestamp	When the disputed payment was originally processed.
`merchant_name`	string	Your merchant identifier.
`store_id`	string	Store the payment belongs to.
`merchant_reference`	string	Your own reference from the payment request.
`authorization_code`	string	Authorization code of the disputed payment, populated when available.
`acquirer_reference_number`	string	ARN of the disputed payment, populated when available.
`payment_amount`	decimal	Original payment amount, in major units.
`payment_currency`	string	Currency of the original payment.
`payment_descriptor`	string	Billing descriptor presented to the consumer.
`consumer_first_name`	string	Consumer given name.
`consumer_last_name`	string	Consumer family name.
`consumer_email`	string	Consumer email address.
`card_brand`	enum	Card brand of the disputed payment.
`card_bin`	string	First 6-8 digits of the card number.
`card_last_4_digits`	string	Last four digits of the card number.
`event_type`	enum	`ALERT`, `RDR`, `CHARGEBACK`, `FRAUD_REPORT`.
`event_status`	enum	Outcome of the event — see below.
`event_amount`	decimal	Amount the scheme reported for the event. May differ from `payment_amount`.
`event_currency`	string	Currency the scheme reported the event in. May differ from `payment_currency`.
`event_scheme`	enum	Scheme that raised the event: `VISA`, `MASTERCARD`, `AMEX`, `DISCOVER`.
`event_program`	enum	Prevention network, per the table above.
`event_reason_code`	string	Scheme reason code, where supplied.
`event_reason_code_description`	string	Human-readable form of the reason code, where supplied.

Event status

Value	Meaning
`REFUNDED`	The payment was refunded in response to the event.
`VOIDED`	The payment was voided before capture.
`NO_ACTION_TAKEN`	The event was recorded but no action was taken on the payment.
`RESOLVED`	The dispute reached a terminal state.

One row per dispute event, not per payment

A single payment can attract several dispute events — an Ethoca alert, then a TC40 report, then a chargeback. Each is a separate row with its own event_id and its own fee.

Reason code coverage

event_reason_code and event_reason_code_description are populated only where the scheme supplies them, and coverage varies by program. Build downstream logic to tolerate both fields being empty.

Example

report_payments_disputed-my_merchant-20260801_to_20260831.csv

event_id,event_created_at,payment_id,payment_created_at,merchant_name,store_id,merchant_reference,authorization_code,acquirer_reference_number,payment_amount,payment_currency,payment_descriptor,consumer_first_name,consumer_last_name,consumer_email,card_brand,card_bin,card_last_4_digits,event_type,event_status,event_amount,event_currency,event_scheme,event_program,event_reason_code,event_reason_code_description
FRAD_9tRm2xQwLe,2026-08-03 02:11:07.412900 UTC,PAYM_7bQ2xKmR4v,2026-08-01 09:15:44 UTC,my_merchant,store_abc,ORD-88213,4419CD,74921500219000012345678,49.00,USD,8005550111acmewell,Priya,Raman,priya.raman@example.com,VISA,411111,4242,ALERT,REFUNDED,49.00,USD,VISA,ETHOCA,,FRAUD
FRAD_Xv2pQs5Bn8,2026-08-11 18:44:22.008145 UTC,PAYM_Nc9wTdLs3E,2026-08-01 11:49:03 UTC,my_merchant,store_123,ORD-88214,90210B,74921500219000012345679,129.50,USD,8005550111acmewell,Tomas,Lindqvist,t.lindqvist@example.com,MASTERCARD,555555,8081,CHARGEBACK,RESOLVED,129.50,USD,MASTERCARD,,4853,Cardholder dispute
FRAD_Wq3sHc7jTa,2026-08-14 05:09:31.663201 UTC,PAYM_Hj4zVpQa8M,2026-08-02 16:03:02 UTC,my_merchant,store_abc,,71204A,74921500219000012345680,49.00,USD,8005550111acmewell,Awa,Diallo,awa.diallo@example.com,VISA,400005,1907,RDR,RESOLVED,49.00,USD,VISA,VERIFI_RDR,10.4,Other fraud - card absent
FRAD_Lm5bNe0kUr,2026-08-22 23:57:14.220847 UTC,PAYM_Ry6kBnXu2W,2026-08-03 03:32:15 UTC,my_merchant,store_123,ORD-88219,55120E,,24.95,USD,8005550111acmewell,Hannah,Byrne,hbyrne@example.com,AMEX,371449,6003,FRAUD_REPORT,NO_ACTION_TAKEN,24.95,USD,AMEX,TC40,,Fraudulent transaction