Defend

Overview

The Defend RPC submits a formal defense against a chargeback dispute. This presents your argument with a reason code to the issuing bank, along with any previously submitted evidence.

Business Use Case: After submitting evidence, you must formally contest the dispute before the deadline. This RPC notifies the bank that you are challenging the chargeback and provides your defense reasoning.

Purpose

Why formally defend disputes?

Scenario	Defense Strategy	Reason Code
Product delivered	Customer received product, delivery confirmed	GOODS_SERVICES_RECEIVED
Valid transaction	Customer authorized, 3DS authenticated	TRANSACTION_AUTHORIZED
Refund already issued	Customer was already refunded	REFUND_ISSUED
Cancellation policy followed	Customer cancelled outside policy window	CANCELLATION_POLICY_DISCLOSED

Key outcomes:

• Dispute status changes to CHALLENGED

• Defense submitted to issuing bank

• Bank begins review process

• Awaiting final resolution (60-75 days)

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
reason_code	string	No	Defense reason code (connector-specific)

Response Fields

Field	Type	Description
dispute_id	string	Connector's dispute identifier
dispute_status	DisputeStatus	Updated status: CHALLENGED
connector_status_code	string	Connector-specific status code
error	ErrorInfo	Error details if defense 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...",
    "reason_code": "goods_services_received"
  }' \
  localhost:8080 \
  types.DisputeService/Defend

Response

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

Next Steps

• Get - Check dispute resolution status

• Accept - Alternative: concede the dispute