Accept

Overview

The Accept RPC concedes a chargeback dispute and accepts the loss. Use this when you lack sufficient evidence to defend, when the customer's claim is valid, or when the dispute amount is less than the cost of defense.

Business Use Case: Not all disputes are worth fighting. When you don't have delivery confirmation, the product was genuinely defective, or the dispute amount is small, accepting the chargeback avoids additional fees and administrative overhead.

Purpose

When to accept disputes?

Scenario	Reason	Outcome
No delivery proof	Cannot prove product was delivered	Accept to avoid losing defense fee
Valid customer complaint	Product/service issue confirmed	Accept to maintain customer relationship
Dispute amount < defense cost	$20 dispute vs $15 defense fee	Accept to minimize total loss
Evidence deadline passed	Missed submission window	Accept as defense is no longer possible
Fraudulent transaction confirmed	Internal investigation confirmed fraud	Accept and write off loss

Key outcomes:

• Dispute status changes to ACCEPTED

• Chargeback processed immediately

• Funds debited from your account

• Defense process terminated

Request Fields

Field	Type	Required	Description
merchant_dispute_id	string	Yes	Your unique dispute reference
connector_transaction_id	string	Yes	Original transaction ID
dispute_id	string	Yes	Connector's dispute identifier

Response Fields

Field	Type	Description
dispute_id	string	Connector's dispute identifier
dispute_status	DisputeStatus	Updated status: ACCEPTED
connector_status_code	string	Connector-specific status code
error	ErrorInfo	Error details if acceptance failed
status_code	uint32	HTTP-style status code
response_headers	map<string,string>	Connector-specific response headers
merchant_dispute_id	string	Your dispute reference (echoed back)
raw_connector_request	SecretString	Raw API request sent to connector (debugging)

Example

Request (grpcurl)

grpcurl -H "x-connector: stripe" \
  -H "x-connector-auth: {\"Stripe\":{\"api_key\":\"$STRIPE_API_KEY\"}}" \
  -d '{
    "merchant_dispute_id": "dispute_001",
    "connector_transaction_id": "pi_3Oxxx...",
    "dispute_id": "dp_1Oxxx..."
  }' \
  localhost:8080 \
  types.DisputeService/Accept

Response

{
  "dispute_id": "dp_1Oxxx...",
  "dispute_status": "ACCEPTED",
  "status_code": 200
}

Next Steps

• Get - Verify dispute status after acceptance

• Payment Service - Review original transaction