Disputes API Reference | Anytime Capital Docs

Disputes on your payments, as the Disputes page lists them. The API reads them; respond with evidence from Disputes in the dashboard before evidenceDueAt. The list's nextCursor is opaque: pass it back exactly as it came. Disputes can only be read, so a key's disputes access stops at read.

Each dispute carries its automatic evidence pack as evidence: whether it is built, how strong we read the case, whether we advise accepting, whether its PDF is attached to the response, and when it was or will be submitted. It is null when there is no pack. See Dispute evidence for what goes into a pack.

Topic	Detail
Endpoints	`GET /api/v1/disputes`, `GET /api/v1/disputes/{id}`
Key permissions	`disputes:read`
Samples	curl; Node.js 18+ with the built-in `fetch` (in an ES module); the Node SDK (preview: not on npm yet); Python with `requests`.
Every request can also answer	401 `UNAUTHORIZED`, 401 `API_KEY_EXPIRED`, 403 `NOT_ENROLLED`, 403 `PERMISSION_DENIED`, 403 `IP_NOT_ALLOWED`, 429 `RATE_LIMITED`, 500 `INTERNAL_ERROR`. See Error codes.

The dispute object

JSON

{
  "object": "dispute",
  "livemode": true,
  "id": "dspt_7Hq2LmX9cR4t",
  "paymentId": "pay_7Hq2LmX9cR4tVb",
  "amountCents": 12500,
  "currency": "usd",
  "status": "needs_response",
  "reason": "product_not_received",
  "inquiry": false,
  "customer": {
    "name": "Jordan Lee",
    "email": "jordan@example.com"
  },
  "card": {
    "brand": "visa",
    "last4": "4242"
  },
  "evidenceDueAt": "2026-11-01T23:59:59.000Z",
  "evidenceSubmittedAt": null,
  "createdAt": "2026-10-18T08:30:00.000Z",
  "evidence": {
    "status": "ready",
    "strength": "strong",
    "recommendAccept": false,
    "documentReady": true,
    "builtAt": "2026-10-18T08:31:12.000Z",
    "submittedAt": null,
    "autoSubmitAt": "2026-10-30T23:59:59.000Z"
  }
}

Field	Type	Description
`object`	string	The type of object. Always `dispute`.
`livemode`	boolean	False for test-mode data (an `ak_test_` key); true for live data.
`id`	string	`dspt_…`
`paymentId`	string	`pay_…`
`amountCents`	integer	Disputed. Integer cents.
`currency`	string	usd.
`status`	string	`needs_response` (respond before `evidenceDueAt`), `under_review`, then `won`, `lost` or `closed`.
`reason`	string	What the customer's bank gave as the reason: `fraudulent`, `unrecognized`, `declined_authorization`, `product_not_received`, `product_unacceptable`, `subscription_canceled`, `credit_not_processed`, `duplicate`, `processing_error`, `documentation_request`, `bank_cannot_process`, `other`.
`inquiry`	boolean	An inquiry or early warning rather than a chargeback.
`customer`	object
`customer.name`	string or null	Name.
`customer.email`	string or null	Email.
`card`	object or null
`card.brand`	string or null	Network.
`card.last4`	string or null	Last four.
`evidenceDueAt`	string (date-time) or null	Respond in the dashboard before this.
`evidenceSubmittedAt`	string (date-time) or null	Evidence submitted.
`createdAt`	string (date-time)	Opened.
`evidence`	object or null	The automatic evidence pack; null while there is none.
`evidence.status`	string	`building` (just opened, or rebuilding), `ready`, or `failed` (rebuild it from Disputes).
`evidence.strength`	string or null	`strong`, `fair` or `weak`: our read of the case once built, for you only. Never sent to the bank.
`evidence.recommendAccept`	boolean	Your own records back the customer: we advise accepting, and never submit it automatically.
`evidence.documentReady`	boolean	The pack's PDF, with the customer's receipt, is attached to the dispute response.
`evidence.builtAt`	string (date-time) or null	Built.
`evidence.submittedAt`	string (date-time) or null	Submitted with the pack, by your team or automatically.
`evidence.autoSubmitAt`	string (date-time) or null	When we'll submit the response for you: automatic submission is on, nobody has submitted, we don't advise accepting, and the deadline is still ahead. Otherwise `null`.

Endpoints

List disputes

GET/api/v1/disputes

disputes:read

Disputes on the business's payments, newest first. Respond in the dashboard. The cursor is opaque. Each dispute carries its automatic evidence pack as evidence: building right after the dispute opens, then ready (or failed), and null when there is none (automatic building is off and nobody has built one). See Dispute evidence.

Query

status string: Only disputes with this status. One of needs_response, under_review, won, lost, closed.
limit integer: How many objects per page, 1–100. Default 25. See Pagination.
cursor string: The previous page's nextCursor, for the page after it.

Request

curl "https://anytime-capital.com/api/v1/disputes?status=needs_response" \
  -H "Authorization: Bearer $ANYTIME_API_KEY"

const res = await fetch("https://anytime-capital.com/api/v1/disputes?status=needs_response", {
  headers: { Authorization: `Bearer ${process.env.ANYTIME_API_KEY}` },
});
const page = await res.json();
if (!res.ok) throw new Error(`${page.error.code}: ${page.error.message}`);

import { AnytimeCapital } from "@anytimecapital/node";

const client = new AnytimeCapital({ apiKey: process.env.ANYTIME_API_KEY! });

const page = await client.disputes.list({ status: "needs_response" });

import os

import requests

res = requests.get(
    "https://anytime-capital.com/api/v1/disputes",
    headers={"Authorization": f"Bearer {os.environ['ANYTIME_API_KEY']}"},
    params={"status": "needs_response"},
    timeout=30,
)
page = res.json()
if not res.ok:
    raise RuntimeError(f"{page['error']['code']}: {page['error']['message']}")

Response 200

{
  "object": "list",
  "data": [
    {
      "object": "dispute",
      "livemode": true,
      "id": "dspt_3Kw9PzR6tY2m",
      "paymentId": "pay_3Kw9PzR6tY2mQa",
      "amountCents": 4900,
      "currency": "usd",
      "status": "needs_response",
      "reason": "fraudulent",
      "inquiry": false,
      "customer": {
        "name": "Sam Ortiz",
        "email": "sam@example.com"
      },
      "card": {
        "brand": "mastercard",
        "last4": "4444"
      },
      "evidenceDueAt": "2026-11-08T23:59:59.000Z",
      "evidenceSubmittedAt": null,
      "createdAt": "2026-10-24T14:02:00.000Z",
      "evidence": {
        "status": "building",
        "strength": null,
        "recommendAccept": false,
        "documentReady": false,
        "builtAt": null,
        "submittedAt": null,
        "autoSubmitAt": null
      }
    },
    {
      "object": "dispute",
      "livemode": true,
      "id": "dspt_7Hq2LmX9cR4t",
      "paymentId": "pay_7Hq2LmX9cR4tVb",
      "amountCents": 12500,
      "currency": "usd",
      "status": "needs_response",
      "reason": "product_not_received",
      "inquiry": false,
      "customer": {
        "name": "Jordan Lee",
        "email": "jordan@example.com"
      },
      "card": {
        "brand": "visa",
        "last4": "4242"
      },
      "evidenceDueAt": "2026-11-01T23:59:59.000Z",
      "evidenceSubmittedAt": null,
      "createdAt": "2026-10-18T08:30:00.000Z",
      "evidence": {
        "status": "ready",
        "strength": "strong",
        "recommendAccept": false,
        "documentReady": true,
        "builtAt": "2026-10-18T08:31:12.000Z",
        "submittedAt": null,
        "autoSubmitAt": "2026-10-30T23:59:59.000Z"
      }
    }
  ],
  "hasMore": false,
  "nextCursor": null
}

Errors

400INVALID_INPUT: A field, filter, limit or cursor is missing or invalid. The message starts with the field's name, as in amountCents: …, or reads Invalid cursor. Fix the named field. Don't retry the same request unchanged.
502PROCESSOR_ERROR: The payments network didn't answer in time. Retry with the same Idempotency-Key. A refund is keyed at the network by that key too, so a retry never refunds twice.
503NOT_CONFIGURED: The part of Anytime Capital Payments this needs isn't available right now. Retry later, with the same Idempotency-Key on a write.

Get a dispute

GET/api/v1/disputes/{id}

disputes:read

One dispute. evidence.documentReady is true once the pack's PDF is attached to the response, and evidence.autoSubmitAt says when we'll submit it for you (automatic submission on, nobody has submitted, and we don't advise accepting). strength and recommendAccept are our read of the case; neither is ever sent to the bank.

Path

id stringrequired: dspt_…

Request

curl https://anytime-capital.com/api/v1/disputes/dspt_7Hq2LmX9cR4t \
  -H "Authorization: Bearer $ANYTIME_API_KEY"

const res = await fetch("https://anytime-capital.com/api/v1/disputes/dspt_7Hq2LmX9cR4t", {
  headers: { Authorization: `Bearer ${process.env.ANYTIME_API_KEY}` },
});
const dispute = await res.json();
if (!res.ok) throw new Error(`${dispute.error.code}: ${dispute.error.message}`);

import { AnytimeCapital } from "@anytimecapital/node";

const client = new AnytimeCapital({ apiKey: process.env.ANYTIME_API_KEY! });

const dispute = await client.disputes.retrieve("dspt_7Hq2LmX9cR4t");

import os

import requests

res = requests.get(
    "https://anytime-capital.com/api/v1/disputes/dspt_7Hq2LmX9cR4t",
    headers={"Authorization": f"Bearer {os.environ['ANYTIME_API_KEY']}"},
    timeout=30,
)
dispute = res.json()
if not res.ok:
    raise RuntimeError(f"{dispute['error']['code']}: {dispute['error']['message']}")

Response 200

{
  "object": "dispute",
  "livemode": true,
  "id": "dspt_7Hq2LmX9cR4t",
  "paymentId": "pay_7Hq2LmX9cR4tVb",
  "amountCents": 12500,
  "currency": "usd",
  "status": "needs_response",
  "reason": "product_not_received",
  "inquiry": false,
  "customer": {
    "name": "Jordan Lee",
    "email": "jordan@example.com"
  },
  "card": {
    "brand": "visa",
    "last4": "4242"
  },
  "evidenceDueAt": "2026-11-01T23:59:59.000Z",
  "evidenceSubmittedAt": null,
  "createdAt": "2026-10-18T08:30:00.000Z",
  "evidence": {
    "status": "ready",
    "strength": "strong",
    "recommendAccept": false,
    "documentReady": true,
    "builtAt": "2026-10-18T08:31:12.000Z",
    "submittedAt": null,
    "autoSubmitAt": "2026-10-30T23:59:59.000Z"
  }
}

Errors

404NOT_FOUND: No such object on your business (an id from another business reads the same), or no such endpoint under /api/v1, which still answers in JSON. Check the id and the path. Ids are case-sensitive.
502PROCESSOR_ERROR: The payments network didn't answer in time. Retry with the same Idempotency-Key. A refund is keyed at the network by that key too, so a retry never refunds twice.
503NOT_CONFIGURED: The part of Anytime Capital Payments this needs isn't available right now. Retry later, with the same Idempotency-Key on a write.

Events

dispute.opened and dispute.closed carry the disputed payment (its dispute.status says where it stands); dispute.updated carries the dispute itself when evidence is submitted or its status changes. See Webhooks and Fraud rules & 3D Secure for preventing them.

Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners. Rates shown are for US card payments; international cards, currency conversion and disputes may carry additional fees shown in your dashboard before you accept a payment.

Topic

Detail

Endpoints

`GET /api/v1/disputes`, `GET /api/v1/disputes/{id}`

Key permissions

disputes:read

Samples

curl; Node.js 18+ with the built-in fetch (in an ES module); the Node SDK (preview: not on npm yet); Python with requests.

Every request can also answer

401 UNAUTHORIZED, 401 API_KEY_EXPIRED, 403 NOT_ENROLLED, 403 PERMISSION_DENIED, 403 IP_NOT_ALLOWED, 429 RATE_LIMITED, 500 INTERNAL_ERROR. See Error codes.

The dispute object

JSON

{
  "object": "dispute",
  "livemode": true,
  "id": "dspt_7Hq2LmX9cR4t",
  "paymentId": "pay_7Hq2LmX9cR4tVb",
  "amountCents": 12500,
  "currency": "usd",
  "status": "needs_response",
  "reason": "product_not_received",
  "inquiry": false,
  "customer": {
    "name": "Jordan Lee",
    "email": "jordan@example.com"
  },
  "card": {
    "brand": "visa",
    "last4": "4242"
  },
  "evidenceDueAt": "2026-11-01T23:59:59.000Z",
  "evidenceSubmittedAt": null,
  "createdAt": "2026-10-18T08:30:00.000Z",
  "evidence": {
    "status": "ready",
    "strength": "strong",
    "recommendAccept": false,
    "documentReady": true,
    "builtAt": "2026-10-18T08:31:12.000Z",
    "submittedAt": null,
    "autoSubmitAt": "2026-10-30T23:59:59.000Z"
  }
}

Field	Type	Description
`object`	string	The type of object. Always `dispute`.
`livemode`	boolean	False for test-mode data (an `ak_test_` key); true for live data.
`id`	string	`dspt_…`
`paymentId`	string	`pay_…`
`amountCents`	integer	Disputed. Integer cents.
`currency`	string	usd.
`status`	string	`needs_response` (respond before `evidenceDueAt`), `under_review`, then `won`, `lost` or `closed`.
`reason`	string	What the customer's bank gave as the reason: `fraudulent`, `unrecognized`, `declined_authorization`, `product_not_received`, `product_unacceptable`, `subscription_canceled`, `credit_not_processed`, `duplicate`, `processing_error`, `documentation_request`, `bank_cannot_process`, `other`.
`inquiry`	boolean	An inquiry or early warning rather than a chargeback.
`customer`	object
`customer.name`	string or null	Name.
`customer.email`	string or null	Email.
`card`	object or null
`card.brand`	string or null	Network.
`card.last4`	string or null	Last four.
`evidenceDueAt`	string (date-time) or null	Respond in the dashboard before this.
`evidenceSubmittedAt`	string (date-time) or null	Evidence submitted.
`createdAt`	string (date-time)	Opened.
`evidence`	object or null	The automatic evidence pack; null while there is none.
`evidence.status`	string	`building` (just opened, or rebuilding), `ready`, or `failed` (rebuild it from Disputes).
`evidence.strength`	string or null	`strong`, `fair` or `weak`: our read of the case once built, for you only. Never sent to the bank.
`evidence.recommendAccept`	boolean	Your own records back the customer: we advise accepting, and never submit it automatically.
`evidence.documentReady`	boolean	The pack's PDF, with the customer's receipt, is attached to the dispute response.
`evidence.builtAt`	string (date-time) or null	Built.
`evidence.submittedAt`	string (date-time) or null	Submitted with the pack, by your team or automatically.
`evidence.autoSubmitAt`	string (date-time) or null	When we'll submit the response for you: automatic submission is on, nobody has submitted, we don't advise accepting, and the deadline is still ahead. Otherwise `null`.

Endpoints

List disputes

GET/api/v1/disputes

disputes:read

Query

status string: Only disputes with this status. One of needs_response, under_review, won, lost, closed.
limit integer: How many objects per page, 1–100. Default 25. See Pagination.
cursor string: The previous page's nextCursor, for the page after it.

Request

curl "https://anytime-capital.com/api/v1/disputes?status=needs_response" \
  -H "Authorization: Bearer $ANYTIME_API_KEY"

const res = await fetch("https://anytime-capital.com/api/v1/disputes?status=needs_response", {
  headers: { Authorization: `Bearer ${process.env.ANYTIME_API_KEY}` },
});
const page = await res.json();
if (!res.ok) throw new Error(`${page.error.code}: ${page.error.message}`);

import { AnytimeCapital } from "@anytimecapital/node";

const client = new AnytimeCapital({ apiKey: process.env.ANYTIME_API_KEY! });

const page = await client.disputes.list({ status: "needs_response" });

import os

import requests

res = requests.get(
    "https://anytime-capital.com/api/v1/disputes",
    headers={"Authorization": f"Bearer {os.environ['ANYTIME_API_KEY']}"},
    params={"status": "needs_response"},
    timeout=30,
)
page = res.json()
if not res.ok:
    raise RuntimeError(f"{page['error']['code']}: {page['error']['message']}")

Response 200

{
  "object": "list",
  "data": [
    {
      "object": "dispute",
      "livemode": true,
      "id": "dspt_3Kw9PzR6tY2m",
      "paymentId": "pay_3Kw9PzR6tY2mQa",
      "amountCents": 4900,
      "currency": "usd",
      "status": "needs_response",
      "reason": "fraudulent",
      "inquiry": false,
      "customer": {
        "name": "Sam Ortiz",
        "email": "sam@example.com"
      },
      "card": {
        "brand": "mastercard",
        "last4": "4444"
      },
      "evidenceDueAt": "2026-11-08T23:59:59.000Z",
      "evidenceSubmittedAt": null,
      "createdAt": "2026-10-24T14:02:00.000Z",
      "evidence": {
        "status": "building",
        "strength": null,
        "recommendAccept": false,
        "documentReady": false,
        "builtAt": null,
        "submittedAt": null,
        "autoSubmitAt": null
      }
    },
    {
      "object": "dispute",
      "livemode": true,
      "id": "dspt_7Hq2LmX9cR4t",
      "paymentId": "pay_7Hq2LmX9cR4tVb",
      "amountCents": 12500,
      "currency": "usd",
      "status": "needs_response",
      "reason": "product_not_received",
      "inquiry": false,
      "customer": {
        "name": "Jordan Lee",
        "email": "jordan@example.com"
      },
      "card": {
        "brand": "visa",
        "last4": "4242"
      },
      "evidenceDueAt": "2026-11-01T23:59:59.000Z",
      "evidenceSubmittedAt": null,
      "createdAt": "2026-10-18T08:30:00.000Z",
      "evidence": {
        "status": "ready",
        "strength": "strong",
        "recommendAccept": false,
        "documentReady": true,
        "builtAt": "2026-10-18T08:31:12.000Z",
        "submittedAt": null,
        "autoSubmitAt": "2026-10-30T23:59:59.000Z"
      }
    }
  ],
  "hasMore": false,
  "nextCursor": null
}

Errors

400INVALID_INPUT: A field, filter, limit or cursor is missing or invalid. The message starts with the field's name, as in amountCents: …, or reads Invalid cursor. Fix the named field. Don't retry the same request unchanged.
502PROCESSOR_ERROR: The payments network didn't answer in time. Retry with the same Idempotency-Key. A refund is keyed at the network by that key too, so a retry never refunds twice.
503NOT_CONFIGURED: The part of Anytime Capital Payments this needs isn't available right now. Retry later, with the same Idempotency-Key on a write.

Get a dispute

GET/api/v1/disputes/{id}

disputes:read

Path

id stringrequired: dspt_…

Request

curl https://anytime-capital.com/api/v1/disputes/dspt_7Hq2LmX9cR4t \
  -H "Authorization: Bearer $ANYTIME_API_KEY"

const res = await fetch("https://anytime-capital.com/api/v1/disputes/dspt_7Hq2LmX9cR4t", {
  headers: { Authorization: `Bearer ${process.env.ANYTIME_API_KEY}` },
});
const dispute = await res.json();
if (!res.ok) throw new Error(`${dispute.error.code}: ${dispute.error.message}`);

import { AnytimeCapital } from "@anytimecapital/node";

const client = new AnytimeCapital({ apiKey: process.env.ANYTIME_API_KEY! });

const dispute = await client.disputes.retrieve("dspt_7Hq2LmX9cR4t");

import os

import requests

res = requests.get(
    "https://anytime-capital.com/api/v1/disputes/dspt_7Hq2LmX9cR4t",
    headers={"Authorization": f"Bearer {os.environ['ANYTIME_API_KEY']}"},
    timeout=30,
)
dispute = res.json()
if not res.ok:
    raise RuntimeError(f"{dispute['error']['code']}: {dispute['error']['message']}")

Response 200

{
  "object": "dispute",
  "livemode": true,
  "id": "dspt_7Hq2LmX9cR4t",
  "paymentId": "pay_7Hq2LmX9cR4tVb",
  "amountCents": 12500,
  "currency": "usd",
  "status": "needs_response",
  "reason": "product_not_received",
  "inquiry": false,
  "customer": {
    "name": "Jordan Lee",
    "email": "jordan@example.com"
  },
  "card": {
    "brand": "visa",
    "last4": "4242"
  },
  "evidenceDueAt": "2026-11-01T23:59:59.000Z",
  "evidenceSubmittedAt": null,
  "createdAt": "2026-10-18T08:30:00.000Z",
  "evidence": {
    "status": "ready",
    "strength": "strong",
    "recommendAccept": false,
    "documentReady": true,
    "builtAt": "2026-10-18T08:31:12.000Z",
    "submittedAt": null,
    "autoSubmitAt": "2026-10-30T23:59:59.000Z"
  }
}

Errors

404NOT_FOUND: No such object on your business (an id from another business reads the same), or no such endpoint under /api/v1, which still answers in JSON. Check the id and the path. Ids are case-sensitive.
502PROCESSOR_ERROR: The payments network didn't answer in time. Retry with the same Idempotency-Key. A refund is keyed at the network by that key too, so a retry never refunds twice.
503NOT_CONFIGURED: The part of Anytime Capital Payments this needs isn't available right now. Retry later, with the same Idempotency-Key on a write.