Disputes (chargebacks) are raised by customers via their bank. You can accept (lose) or contest (challenge with evidence) each dispute. Monitor respond_by timestamp — missing the deadline forfeits the dispute.
openapi: 3.0.0
info:
title: Razorpay Bills Disputes API
version: 1.0.0
description: Razorpay payment gateway APIs for accepting payments, managing orders, processing refunds, payouts, and subscriptions. All amounts are in the smallest currency sub-unit (e.g. paise for INR). Supports 180+ payment methods including UPI, cards, netbanking, wallets, and EMI.
termsOfService: https://razorpay.com/terms/
contact:
name: Razorpay Support
url: https://razorpay.com/support/
email: support@razorpay.com
license:
name: Proprietary
url: https://razorpay.com/terms/
x-logo:
url: https://razorpay.com/favicon.png
x-auth-environments:
test:
keyPrefix: rzp_test_
description: Test mode — keys prefixed rzp_test_. Same API endpoint (https://api.razorpay.com/v1). No real money movement. Use test card numbers from https://razorpay.com/docs/payments/payments/test-card-details/.
live:
keyPrefix: rzp_live_
description: Live mode — keys prefixed rzp_live_. Real money movement. Requires KYC and business activation on the Razorpay Dashboard.
servers:
- url: https://api.razorpay.com/v1
description: Production
security:
- basicAuth: []
- oauth2:
- read_only
tags:
- name: Disputes
description: Disputes (chargebacks) are raised by customers via their bank. You can accept (lose) or contest (challenge with evidence) each dispute. Monitor respond_by timestamp — missing the deadline forfeits the dispute.
paths:
/disputes:
get:
operationId: fetchAllDisputes
summary: Fetch all disputes
description: Retrieve a list of all payment disputes. Use expand[]=payment or expand[]=transaction.settlement for additional context.
tags:
- Disputes
parameters:
- $ref: '#/components/parameters/count'
- $ref: '#/components/parameters/skip'
- name: expand[]
in: query
description: 'Expand sub-entities. Supported: payment, transaction.settlement.'
schema:
type: string
enum:
- payment
- transaction.settlement
responses:
'200':
description: Collection of disputes.
content:
application/json:
schema:
allOf:
- $ref: '#/components/schemas/Collection'
- properties:
items:
type: array
items:
$ref: '#/components/schemas/Dispute'
'401':
$ref: '#/components/responses/401'
'429':
$ref: '#/components/responses/429'
/disputes/{id}:
get:
operationId: fetchDispute
summary: Fetch dispute by ID
description: Retrieve full details of a specific dispute including submitted evidence.
tags:
- Disputes
parameters:
- name: id
in: path
required: true
description: Dispute ID (disp_*).
schema:
type: string
responses:
'200':
description: Dispute details.
content:
application/json:
schema:
$ref: '#/components/schemas/Dispute'
'401':
$ref: '#/components/responses/401'
'404':
$ref: '#/components/responses/404'
'429':
$ref: '#/components/responses/429'
/disputes/{id}/accept:
post:
operationId: acceptDispute
summary: Accept a dispute
description: Accept a dispute, acknowledging it as lost. This is irreversible — the dispute status changes to 'lost' and the disputed amount is deducted from your balance. Only accept if you do not wish to contest.
tags:
- Disputes
parameters:
- name: id
in: path
required: true
description: Dispute ID (disp_*).
schema:
type: string
responses:
'200':
description: Dispute accepted. Status changes to 'lost'.
content:
application/json:
schema:
$ref: '#/components/schemas/Dispute'
'401':
$ref: '#/components/responses/401'
'404':
$ref: '#/components/responses/404'
'429':
$ref: '#/components/responses/429'
/disputes/{id}/contest:
patch:
operationId: contestDispute
summary: Contest a dispute
description: Submit evidence to challenge a dispute. Use action=draft to save without submitting, or action=submit to send for bank review (triggers payment.dispute.under_review webhook). At least one evidence document is required when submitting. You can contest partial amounts by specifying amount.
tags:
- Disputes
parameters:
- name: id
in: path
required: true
description: Dispute ID (disp_*).
schema:
type: string
requestBody:
required: true
content:
application/json:
schema:
type: object
properties:
action:
type: string
enum:
- draft
- submit
description: 'draft: save evidence without submitting. submit: send for bank review. Minimum one document required for submit.'
amount:
type: integer
description: Amount being contested (paise). Defaults to full dispute amount.
summary:
type: string
description: Your explanation of why the dispute should be resolved in your favour. Max 1000 characters.
shipping_proof:
type: array
items:
type: string
description: Document IDs proving product shipment.
billing_proof:
type: array
items:
type: string
cancellation_proof:
type: array
items:
type: string
customer_communication:
type: array
items:
type: string
proof_of_service:
type: array
items:
type: string
explanation_letter:
type: array
items:
type: string
refund_confirmation:
type: array
items:
type: string
access_activity_log:
type: array
items:
type: string
refund_cancellation_policy:
type: array
items:
type: string
term_and_conditions:
type: array
items:
type: string
others:
type: array
items:
type: object
responses:
'200':
description: Dispute contested. Status changes to 'under_review' on submit.
content:
application/json:
schema:
$ref: '#/components/schemas/Dispute'
'400':
$ref: '#/components/responses/400'
'401':
$ref: '#/components/responses/401'
'404':
$ref: '#/components/responses/404'
'429':
$ref: '#/components/responses/429'
components:
responses:
'429':
description: Rate limit exceeded. Implement exponential backoff with jitter before retrying.
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
'404':
description: Resource not found.
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
'400':
description: Bad request. Invalid parameters or missing required fields.
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
'401':
description: Authentication failed. Invalid or missing API key credentials.
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
parameters:
skip:
name: skip
in: query
description: Number of records to skip. Use with count for pagination. Default 0.
schema:
type: integer
minimum: 0
default: 0
count:
name: count
in: query
description: Number of records to return per call. Maximum 100. Default 10.
schema:
type: integer
minimum: 1
maximum: 100
default: 10
schemas:
Error:
type: object
properties:
error:
type: object
properties:
code:
type: string
description: 'Error code. Examples: BAD_REQUEST_ERROR, GATEWAY_ERROR, SERVER_ERROR.'
description:
type: string
source:
type: string
description: Where the error originated (e.g. business, gateway).
step:
type: string
reason:
type: string
description: 'Machine-readable reason. Examples: insufficient_funds, invalid_expiry_date, declined_by_bank.'
metadata:
type: object
field:
type: string
DisputeEvidence:
type: object
properties:
amount:
type: integer
description: Contested amount in currency subunits.
summary:
type: string
description: Your explanation of why the dispute should be resolved in your favour. Max 1000 characters.
shipping_proof:
type: array
items:
type: string
description: Document IDs proving product shipment.
billing_proof:
type: array
items:
type: string
description: Order confirmation document IDs.
cancellation_proof:
type: array
items:
type: string
customer_communication:
type: array
items:
type: string
proof_of_service:
type: array
items:
type: string
explanation_letter:
type: array
items:
type: string
refund_confirmation:
type: array
items:
type: string
access_activity_log:
type: array
items:
type: string
refund_cancellation_policy:
type: array
items:
type: string
term_and_conditions:
type: array
items:
type: string
others:
type: array
items:
type: object
submitted_at:
type:
- integer
- 'null'
description: Unix timestamp of last evidence submission. Null for drafts.
Collection:
type: object
properties:
entity:
type: string
enum:
- collection
count:
type: integer
description: Number of items in the current page.
items:
type: array
items: {}
Dispute:
type: object
properties:
id:
type: string
description: 'Unique dispute identifier. Prefix: disp_'
entity:
type: string
enum:
- dispute
payment_id:
type: string
description: The payment against which the dispute was raised (pay_*).
amount:
type: integer
description: Disputed amount in currency subunits.
currency:
type: string
amount_deducted:
type: integer
description: Amount deducted from your balance when dispute is lost.
reason_code:
type: string
description: Code identifying the dispute reason.
reason_description:
type: string
description: Human-readable explanation of the dispute cause.
respond_by:
type: integer
description: Unix timestamp by which you must respond. Missing this forfeits the dispute.
status:
type: string
enum:
- open
- under_review
- won
- lost
- closed
description: 'open: action required. under_review: evidence submitted, awaiting bank decision. won: resolved in your favour. lost: resolved against you. closed: resolved without chargeback.'
phase:
type: string
enum:
- fraud
- retrieval
- chargeback
- pre_arbitration
- arbitration
description: Escalation stage of the dispute process.
created_at:
type: integer
evidence:
$ref: '#/components/schemas/DisputeEvidence'
securitySchemes:
basicAuth:
type: http
scheme: basic
description: HTTP Basic authentication using your Razorpay API key pair. Use key_id as the username and key_secret as the password. Encode as Base64(key_id:key_secret). Keys are environment-scoped (Test vs Live). Obtain keys at https://dashboard.razorpay.com/app/keys. Keys are case-sensitive.
oauth2:
type: oauth2
description: OAuth 2.0 via the Razorpay MCP server (mcp.razorpay.com). Supports Authorization Code with PKCE (S256) for user-delegated access and Client Credentials for server-to-server access. Tokens expire in 3600 seconds. Dynamic Client Registration available at the registration endpoint. For integration setup see https://razorpay.com/docs/build/llm-docs/mcp-server/oauth.md.
flows:
authorizationCode:
authorizationUrl: https://mcp.razorpay.com/authorize
tokenUrl: https://mcp.razorpay.com/token
refreshUrl: https://mcp.razorpay.com/token
scopes:
read_only: Read-only access to Razorpay account data (payments, orders, refunds, payouts, subscriptions, invoices)
clientCredentials:
tokenUrl: https://mcp.razorpay.com/token
scopes:
read_only: Read-only access to Razorpay account data (payments, orders, refunds, payouts, subscriptions, invoices)
externalDocs:
description: Razorpay API Documentation
url: https://razorpay.com/docs/api/
x-tagGroups:
- name: Core Payments
tags:
- Orders
- Payments
- Refunds
- Payment Downtimes
- name: Payment Collection
tags:
- Payment Links
- QR Codes
- name: Billing & Subscriptions
tags:
- Items
- Invoices
- Plans
- Subscriptions
- name: Customer Management
tags:
- Customers
- Documents
- name: Finance & Reconciliation
tags:
- Settlements
- Instant Settlements
- Disputes
- name: Route & Marketplace
tags:
- Linked Accounts
- Transfers
- name: Smart Collect
tags:
- Virtual Accounts
- name: Partners & Onboarding
tags:
- Partner Accounts
- Partner Products
- Partner Stakeholders
- Partner Documents
- Partner Webhooks
- name: Bills
tags:
- Bills
- name: RazorpayX
tags:
- X Contacts
- X Fund Accounts
- X Account Validation
- X Banking Balances
- X Payouts
- X Payout Links
- X Transactions
x-rateLimit:
description: Razorpay does not publish specific rate limits. If you receive HTTP 429, implement exponential backoff with jitter and retry. Add randomisation to avoid thundering-herd effects.
throttleStatus: 429
strategy: exponential backoff with jitter
x-pagination:
description: All list endpoints return at most 100 records per call (1000 for settlement recon). Use count and skip together to paginate. Date range filters (from/to) use Unix timestamps in seconds.
example: GET /payments?from=1700000000&to=1700086400&count=100&skip=100
x-amountEncoding:
description: 'All monetary amounts are in the smallest currency sub-unit. For INR: 1 rupee = 100 paise, so ₹500 = 50000. Minimum for INR is 100 paise (₹1). Three-decimal currencies (KWD, BHD, OMR): drop last decimal digit. Zero-decimal currencies (JPY): pass value as-is.'