The Chargeback Object
The Chargeback Object
A chargeback is initiated by a customer to reverse a specific Transaction charge on their billing statement. Work with the ChargeBack object when you subscribe to Vindicia’s ChargeGuard service to dispute chargebacks on your behalf.
The ChargeBack object holds information about a chargeback against a specific Transaction. Its status will change as Vindicia takes steps to dispute a chargeback on your behalf.
Chargeback Data Members
The ChargeBack object encapsulates information on a chargeback, including the amount, date, reference number, and status.
The following table lists and describes the data members of the ChargeBack object.
Data Members |
Data Type |
Description |
amount |
decimal |
Required. This chargeback’s settlement amount, which usually matches the amount of the original Transaction. In some cases, customers charge back only part of a Transaction. Note: Given exchange-rate fluctuations, transactions across currencies might be charged back at amounts that differ from the original amounts. |
caseNumber |
string |
Your bank’s case number for this Chargeback object, if any. |
currency |
string |
The ISO 4217 currency code (see www.xe.com/iso4217.htm) of this Chargeback object. This currency applies to the settlement amount. (See the amount attribute) |
merchantNumber |
string |
Your bank’s merchant number, which identifies you as the merchant. |
merchantTransactionId |
string |
Your unique identifier for the transaction associated with this Chargeback object.This ID must match the order number you used when processing the transaction with your payment processor. |
merchantTransactionTimestamp |
dateTime |
A timestamp that specifies the date and time when the original transaction occurred. |
merchantUserId |
string |
Your unique identifier for the account of the customer who conducted the original transaction. |
nameValues |
NameValuePair[] |
Optional. An array of name–value pairs for the Chargeback object. |
note |
string |
Notes on the Chargeback object. (Vindicia personnel might make entries here during the dispute process.) |
postedTimestamp |
dateTime |
Required. A timestamp that specifies the date and time the chargeback was posted in the Vindicia database. The difference in time between the chargeback, and this posted timestamp, will depend on the frequency at which Vindicia downloads chargebacks from your bank or payment processor. |
presentmentAmount |
decimal |
The amount charged back (in the presentment currency), which usually matches the amount of the original transaction. Specify this attribute if the original transaction was processed with Chase Paymentech in a currency other than USD. |
presentmentCurrency |
string |
The ISO 4217 currency code (see www.xe.com/iso4217.htm) of this transaction at presentment. |
processorReceivedTimestamp |
dateTime |
Required. A timestamp that specifies the date and time when your bank received the chargeback from the customer. |
reasonCode |
string |
Required. The reason code reported by your bank for this Chargebackobject. Reason codes vary from bank to bank. |
referenceNumber |
string |
Your bank’s reference number for this Chargeback object, if any. |
status |
ChargebackStatus |
Required. The current chargeback status in ChargeGuard. A chargeback goes through a life cycle as Vindicia disputes the chargeback on your behalf. |
statusChangedTimestamp |
dateTime |
A timestamp that specifies the date and time for the last status change. |
VID |
string |
Vindicia's Globally Unique Identifier (GUID) for this object. When creating a new Chargeback object, leave this field blank; it will be automatically populated by Vindicia Subscribe. |
ChargebackStatus values:
Value |
Description |
Challenged |
Vindicia has submitted rebuttal documents to your payment processor to dispute this chargeback. |
Duplicate |
A duplicate chargeback has either been manually entered or received by Vindicia from the payment processor. Another chargeback in the queue exists with exactly the same information but is not marked duplicate. |
Expired |
The related documents or transaction details you reported were received too late by Vindicia to dispute this chargeback. |
Incomplete |
Vindicia has received chargeback information from the payment processor but does not have the original transaction details from you. |
Legitimate |
A valid chargeback because the original transaction was truly fraudulent. Vindicia does not represent or dispute legitimate transactions. |
Lost |
Vindicia challenged this chargeback but lost the case. |
New |
The first chargeback received by Vindicia, which is in the process of deciding how to pursue on your behalf. |
NewSecondChargeback |
A second chargeback has been received against a transaction that was initially charged back, disputed, and won. |
Pass |
Even though all the documentation is available, Vindicia will not dispute this chargeback because of one or more of the following reasons:
|
Retrieval |
An incoming retrieval or ticket request. |
Responded |
Vindicia has responded to the retrieval or ticket request. |
Represented |
As a result of Vindicia’s intervention, the chargeback was reversed in your favor. However, the customer or issuing bank is continuing the dispute by issuing a second chargeback. (This status is not in use.) |
Won |
Vindicia challenged this chargeback, which has been reversed in your favor. |
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