Disputes

A Dispute is a chargeback a customer files against a payment through their bank, or an inquiry that may become one. It carries the disputed payment, a deadline to respond, your evidence, and the outcome once the processor rules. Use the Disputes API to list disputes, edit the evidence packet while a dispute is still contestable, and submit it for review.

Endpoints

Endpoint	Request
List Disputes	GET `/disputes`
Retrieve Dispute	GET `/disputes/{id}`
Update Dispute	PATCH `/disputes/{id}`
Submit Dispute	POST `/disputes/{id}/submit`
Retrieve Dispute Summary	GET `/disputes/summary`

Attributes

string

required

Dispute ID, prefixed dspt_.

string | null

required

The account the dispute was filed against, prefixed biz_.

number

required

The disputed amount, in whole units of currency.

object | null

required

The customer who filed the dispute.

Properties

string | null

required

The customer’s email address. Requires the member:email:read scope; null without it.

string | null

required

The customer’s member row on the account, prefixed mem_.

string | null

required

The customer’s display name.

string | null

required

The customer’s user ID, prefixed user_. null for a guest checkout.

string | null

required

The customer’s Whop username.

string

required

When the dispute was opened, as an ISO 8601 timestamp.

string

required

Three-letter ISO currency code of the disputed amount.

object

required

The evidence packet sent to the processor to contest the dispute.

Properties

string | null

required

Log of the customer’s access to the product, such as sign-in or download activity.

string | null

required

The billing address the customer provided at checkout.

object | null

required

The cancellation policy document. Falls back to Whop’s platform policy when the seller has not uploaded their own.

Properties

string | null

required

The attachment’s ID. null for a Whop-hosted policy, which is not an uploaded file.

string | null

required

The uploaded file’s MIME type.

string | null

required

The uploaded file’s name.

boolean

required

Whether this is Whop’s own hosted policy, standing in because the seller uploaded none. Sending it back on a PATCH changes nothing.

string | null

required

A URL to download the attachment.

string | null

required

How the cancellation policy was shown to the customer before purchase.

object | null

required

Correspondence with the customer, or proof they used the product.

Properties

string | null

required

The attachment’s ID. null for a Whop-hosted policy, which is not an uploaded file.

string | null

required

The uploaded file’s MIME type.

string | null

required

The uploaded file’s name.

boolean

required

Whether this is Whop’s own hosted policy, standing in because the seller uploaded none. Sending it back on a PATCH changes nothing.

string | null

required

A URL to download the attachment.

string | null

required

The email address the customer used at checkout.

string | null

required

The customer’s name as given at checkout.

string | null

required

Any additional context for the processor reviewing the dispute.

string | null

required

What the customer purchased, in the seller’s own words.

object | null

required

The refund policy document. Falls back to Whop’s platform policy when the seller has not uploaded their own.

Properties

string | null

required

The attachment’s ID. null for a Whop-hosted policy, which is not an uploaded file.

string | null

required

The uploaded file’s MIME type.

string | null

required

The uploaded file’s name.

boolean

required

Whether this is Whop’s own hosted policy, standing in because the seller uploaded none. Sending it back on a PATCH changes nothing.

string | null

required

A URL to download the attachment.

string | null

required

How the refund policy was shown to the customer before purchase.

string | null

required

Why a refund was refused, when one was requested and denied.

string | null

required

When the product or service was delivered.

object | null

required

Supporting evidence that does not fit the other categories.

Properties

string | null

required

The attachment’s ID. null for a Whop-hosted policy, which is not an uploaded file.

string | null

required

The uploaded file’s MIME type.

string | null

required

The uploaded file’s name.

boolean

required

Whether this is Whop’s own hosted policy, standing in because the seller uploaded none. Sending it back on a PATCH changes nothing.

string | null

required

A URL to download the attachment.

string | null

required

The deadline to submit evidence, as an ISO 8601 timestamp. Whop reserves the last 24 hours before the processor’s own cutoff to forward the submission.

boolean

required

Whether evidence can still be changed and submitted.

string | null

required

Why evidence can no longer be edited. null while evidence_editable is true.Available options: submitted, response_window_closed, not_contestable

string | null

required

When the evidence was submitted to the processor, as an ISO 8601 timestamp.

boolean

required

Whether this is a pre-dispute inquiry rather than a formal chargeback. Inquiries follow the same lifecycle but move no funds unless one escalates.

object[]

required

What the card issuer said when filing the dispute. Only populated when the issuer provides them, and listed in the order they were received.

Properties

string | null

required

When the comment was received, as an ISO 8601 timestamp.

string

required

What the issuer wrote, as received.

object | null

required

The payment being disputed.

Properties

string

required

Payment ID, prefixed pay_.

number | null

required

What the customer was charged, in whole units of the payment’s currency.

string | null

required

Card brand, when the customer paid by card.

string | null

required

Last four digits of the card, when the customer paid by card.

string

required

When the payment was made, as an ISO 8601 timestamp.

string | null

required

Three-letter ISO currency code of the payment. Can differ from the dispute’s currency when the processor settles in another currency.

string | null

required

How the customer paid, such as card or paypal.

string | null

required

The processor that handled the payment, such as stripe.

string | null

required

The plan the disputed payment was made on, prefixed plan_.

string | null

required

The product the disputed payment was for, prefixed prod_.

boolean

required

Whether Visa Rapid Dispute Resolution settled this automatically. These refund the customer without an evidence round.

string

required

Why the customer says they are disputing, normalized across card networks. other covers a code Whop has not categorized yet — read reason_code for the raw value.Available options: fraudulent, unrecognized, declined_authorization, product_not_received, product_unacceptable, subscription_canceled, credit_not_processed, duplicate, processing_error, documentation_request, bank_cannot_process, other

string | null

required

The raw card-network or processor reason code, such as 10.4.

string

required

Where the dispute stands. needs_response is awaiting evidence, under_review is with the processor, won returned the funds to the seller, lost returned them to the customer, and closed ended without a ruling.Available options: needs_response, under_review, won, lost, closed

string

required

When the dispute was last changed, as an ISO 8601 timestamp.

Dispute

{
	"id": "dspt_xxxxxxxxxxxxx",
	"account_id": "biz_xxxxxxxxxxxxxx",
	"amount": 49.99,
	"buyer": {
		"email": "alex@example.com",
		"member_id": "mem_xxxxxxxxxxxxx",
		"name": "Alex Rivera",
		"user_id": "user_xxxxxxxxxxxxx",
		"username": "alex"
	},
	"created_at": "2026-06-01T12:00:00Z",
	"currency": "usd",
	"evidence": {
		"access_activity_log": "2026-05-02 14:11 UTC signed in and opened the course; 2026-05-04 09:32 UTC downloaded lesson materials",
		"billing_address": "123 Main St, Austin, TX 78701, US",
		"cancellation_policy_attachment": null,
		"cancellation_policy_disclosure": "Shown on the checkout page beneath the pay button.",
		"customer_communication_attachment": {
			"id": "att_xxxxxxxxxxxxx",
			"content_type": "application/pdf",
			"filename": "support-thread.pdf",
			"platform": false,
			"url": "https://assets.whop.com/uploads/att_xxxxxxxxxxxxx/support-thread.pdf"
		},
		"customer_email_address": "alex@example.com",
		"customer_name": "Alex Rivera",
		"notes": "Customer accessed the product for four weeks before disputing.",
		"product_description": "Monthly membership to the Pickaxe trading community, including the full course library.",
		"refund_policy_attachment": {
			"id": null,
			"content_type": "application/pdf",
			"filename": "refund-policy.pdf",
			"platform": true,
			"url": "https://whop.com/policies/refund-policy.pdf"
		},
		"refund_policy_disclosure": "Linked in the order confirmation email and on the checkout page.",
		"refund_refusal_explanation": "Refund was refused because the membership had been used past the 7-day refund window.",
		"service_date": "2026-05-01",
		"uncategorized_attachment": null
	},
	"evidence_due_at": "2026-06-15T00:00:00Z",
	"evidence_editable": true,
	"evidence_locked_reason": null,
	"evidence_submitted_at": null,
	"inquiry": false,
	"issuer_comments": [
		{
			"received_at": "2026-06-01T12:00:00Z",
			"text": "Cardholder states they did not authorize this transaction."
		}
	],
	"payment": {
		"id": "pay_xxxxxxxxxxxxx",
		"amount": 49.99,
		"card_brand": "visa",
		"card_last4": "4242",
		"created_at": "2026-05-01T09:30:00Z",
		"currency": "usd",
		"payment_method_type": "card",
		"payment_processor": "stripe"
	},
	"plan_id": "plan_xxxxxxxxxxxxx",
	"product_id": "prod_xxxxxxxxxxxxx",
	"rapid_dispute_resolution": false,
	"reason": "fraudulent",
	"reason_code": "10.4",
	"status": "needs_response",
	"updated_at": "2026-06-01T12:00:00Z"
}

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