Accept

Overview

The accept method concedes a dispute and accepts the chargeback loss. Use this when evidence is insufficient, the cost of defense outweighs the dispute amount, or the customer's claim is valid.

Business Use Case: A customer disputed a charge claiming the product was never delivered. Your tracking shows it was lost in transit. Since you cannot prove delivery, you accept the dispute and issue a refund.

Purpose

Why accept disputes?

Scenario	Reason
Insufficient evidence	No proof of delivery or service
Cost-benefit	Defense cost exceeds dispute amount
Valid claim	Customer's dispute is legitimate
Fraudulent order	Order was fraud, not worth defending

Key outcomes:

• Dispute closed immediately

• Funds debited from your account

• No additional fees or penalties

• Clean dispute resolution

Request Fields

Field	Type	Required	Description
dispute_id	string	Yes	The connector's dispute ID
reason	string	No	Internal reason for accepting

Response Fields

Field	Type	Description
dispute_id	string	Connector's dispute ID
status	DisputeStatus	New status: LOST
amount_debited	Money	Amount charged back
status_code	int	HTTP-style status code (200, 404, etc.)

Example

SDK Setup

from hyperswitch_prism import DisputeClient

dispute_client = DisputeClient(
    connector='stripe',
    api_key='YOUR_API_KEY',
    environment='SANDBOX'
)

Request

request = {
    "dispute_id": "dp_xxx",
    "reason": "Tracking shows package lost in transit - no delivery confirmation available"
}

response = await dispute_client.accept(request)

Response

{
    "dispute_id": "dp_xxx",
    "status": "LOST",
    "amount_debited": {
        "minor_amount": 1000,
        "currency": "USD"
    },
    "status_code": 200
}

Decision Framework

┌─────────────────────────────────────────────────────────┐
│          Should I Accept This Dispute?                 │
└─────────────────────────────────────────────────────────┘
                          │
           ┌──────────────┼──────────────┐
           ▼              ▼              ▼
    ┌──────────┐   ┌──────────┐   ┌──────────┐
    │ Evidence │   │ Cost >   │   │ Valid    │
    │ Exists?  │   │ Dispute? │   │ Claim?   │
    └────┬─────┘   └────┬─────┘   └────┬─────┘
         │              │              │
        No            Yes            Yes
         │              │              │
         └──────────────┴──────────────┘
                        │
                        ▼
              ┌─────────────────┐
              │ ACCEPT DISPUTE  │
              └─────────────────┘

After Acceptance

• Dispute is immediately closed

• Chargeback amount is debited

• Consider reaching out to customer for resolution

• Update internal records

Next Steps

• get - Review dispute details before accepting

• Consider customer outreach for retention

• Review processes to prevent similar disputes