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A chargeback (cbk_*) is a challenge to a card payment you received. It is separate from disputes you file about other transactions. List cases with GET /chargebacks. Read a case with GET /chargebacks/{chargebackId}. Both require chargebacks.read. The case links to its card payment, payment intent, and receiving customer.

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Prepare a response

Natural supplies recorded payment, authentication, delivery-channel, and refund facts. evidenceGuidance explains the applicable response choices and missing information. Supply facts and documents that Natural does not already hold. Customer evidence supplements recorded facts.
  1. Read the case and its version.
  2. Upload a file through POST /chargebacks/{chargebackId}/files using multipart form data.
  3. Save evidence and associate uploaded file IDs through PATCH /chargebacks/{chargebackId}.
  4. Preview the PDF through POST /chargebacks/{chargebackId}/preview.
  5. Submit with POST /chargebacks/{chargebackId}/submit using the reviewed version.
Saving evidence does not submit it. Uploading an unattached file does not change the case. New uploads return verified filename and size metadata. Historical files can have null metadata because it was not previously stored. Evidence changes advance the case version. A stale version returns 409. Read the case again before retrying. Submitted evidence is frozen. Use chargebacks.respond to save evidence, upload files, submit, or accept a case. It includes chargebacks.read. PDF preview requires only chargebacks.read.

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Accept a case

Use POST /chargebacks/{chargebackId}/accept with the current version when you choose not to contest it. This is a separate action from submitting evidence.

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Status

responseDueAt is the response deadline. submittedAt is null until submission. Accepted and expired cases do not imply a provider loss.

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Retry and event behavior

Mutations require an Idempotency-Key. Repeating a completed operation with the same request returns the original response after current authorization is checked. A new operation with an old version is rejected. Chargeback events contain the case resource without evidence or evidence guidance. chargeback.updated includes acceptance and expiry. chargeback.closed reports provider wins and losses.