> ## Documentation Index
> Fetch the complete documentation index at: https://docs.platform.chipper.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Respond to a dispute

> Only for `open` disputes. `accept` concedes and the held amount is refunded. `contest` moves it to `under_review`; attach evidence as `fileIds` uploaded with purpose `dispute.evidence`, and `reason` is posted as the first message.



## OpenAPI

````yaml /api-reference/openapi.json post /v1/disputes/{id}/respond
openapi: 3.1.0
info:
  title: Chipper Platform API
  version: '2026-02-20'
  description: >-
    Payouts, collections, and FX across African rails — bank, mobile money, and
    stablecoins — through one API.
servers:
  - url: https://api.platform.chipper.ai
    description: Production (sk_live_ keys)
  - url: https://sandbox-api.platform.chipper.ai
    description: Sandbox (sk_test_ keys — simulated rails, no real money)
security:
  - bearerAuth: []
paths:
  /v1/disputes/{id}/respond:
    post:
      tags:
        - Disputes
      summary: Respond to a dispute
      description: >-
        Only for `open` disputes. `accept` concedes and the held amount is
        refunded. `contest` moves it to `under_review`; attach evidence as
        `fileIds` uploaded with purpose `dispute.evidence`, and `reason` is
        posted as the first message.
      parameters:
        - schema:
            type: string
            description: Dispute id.
            example: dsp_m8k2x5vq9pn3r7zt4wbc
          required: true
          name: id
          in: path
      requestBody:
        content:
          application/json:
            schema:
              type: object
              properties:
                action:
                  type: string
                  enum:
                    - accept
                    - contest
                reason:
                  type: string
                fileIds:
                  type: array
                  items:
                    type: string
              required:
                - action
      responses:
        '200':
          description: The dispute after your response.
          content:
            application/json:
              schema:
                type: object
                properties:
                  dispute:
                    $ref: '#/components/schemas/Dispute'
                required:
                  - dispute
        '400':
          description: The dispute is no longer open.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
              example:
                error: bad_request
                message: Can only respond to open disputes
                requestId: req_q7vei435zifs51ia0lqr
        '401':
          description: Missing or invalid API key.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
              example:
                error: unauthorized
                message: Invalid API key
                requestId: req_q7vei435zifs51ia0lqr
        '404':
          description: No such resource in this organization.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
              example:
                error: not_found
                message: Dispute not found
                requestId: req_q7vei435zifs51ia0lqr
      security:
        - bearerAuth: []
components:
  schemas:
    Dispute:
      type: object
      properties:
        id:
          type: string
          example: dsp_m8k2x5vq9pn3r7zt4wbc
        organizationId:
          type: string
          example: org_h4n7q2vm8kp3r9zt5wbx
        collectionId:
          type: string
          description: The disputed collection.
          example: col_x7kd92mfn3qp8wz4t6vb
        amount:
          type: string
          description: Decimal string — never parse as float for arithmetic.
          example: '250.00'
        currency:
          type: string
          example: NGN
        category:
          type: string
          enum:
            - fraud
            - chargeback
            - other
        status:
          type: string
          enum:
            - open
            - under_review
            - accepted
            - declined
          description: >-
            `open` awaits your response; `under_review` after you contest;
            `accepted`/`declined` are final.
        statusMessage:
          type:
            - string
            - 'null'
          description: Resolution note from Chipper once closed.
        evidence:
          type: object
          additionalProperties: {}
          description: >-
            Your response: `{ action, reason, fileIds }`. Empty until you
            respond.
          example:
            action: contest
            reason: Goods delivered — signed proof attached
            fileIds:
              - file_q7vei435zifs51ia0lqr
        resolvedAt:
          type:
            - string
            - 'null'
          format: date-time
        createdAt:
          type: string
          format: date-time
          example: '2026-08-01T09:12:44.000Z'
        updatedAt:
          type: string
          format: date-time
      required:
        - id
        - organizationId
        - collectionId
        - amount
        - currency
        - category
        - status
        - statusMessage
        - evidence
        - resolvedAt
        - createdAt
        - updatedAt
    Error:
      type: object
      properties:
        error:
          type: string
          description: Stable machine-readable code.
        message:
          type: string
          description: Human-readable explanation.
        requestId:
          type: string
          description: Echoed in the x-request-id response header — quote it to support.
      required:
        - error
        - message
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: 'Your API key: `sk_test_…` (sandbox) or `sk_live_…` (production).'

````