disputes API 枚举说明
约 3252 字大约 11 分钟
2025-03-07
chargebackStatus 枚举说明
| Code | 描述 |
|---|---|
| PENDING | 待处理 |
| PROCESSED | (1)不提交(渠道)「商户不发起拒付申诉」; (2)已处理/已提交 「商户发起了拒付申诉提交了申诉文件」 这两种情况都会进入这个状态 |
| REFUNDED | 已退款 |
| REVOKED | 已撤销 |
| ACCEPTED | 放弃申诉 |
| EXPIRED | 已过期 |
| WON | 申诉成功 |
| LOST | 申诉失败 |
| CLOSED | 未升级拒付争议关闭 |
CBReasonCodeEnum 拒付类型枚举说明
| Code | 描述 |
|---|---|
| DUTY | 定责类 |
| NO_RECEIVED | 未收到货 |
| WRONG_GOODS | 货不对版 |
| OTHERS | 其他类 |
CBDocTypeCodeEnum 拒付证明类型枚举说明
| Code | 描述 |
|---|---|
| TIDorInvoice | 交易信息截图 |
| LogisticInfo | 运单信息截图 |
| GoodsWereAsDescribed | 商品清晰图片及详细 |
| ImageofGoodDeliverd | 实际发出的商品图片 |
| CardholderSignLetter | 持卡人签署的争议撤销书或退款证明 |
| CustomerContactInfo | 与买家沟通记录，如有可提供 |
| CancelRefundPolicy | 取消或退款政策 |
| DefendMaterial | 已生成的完整的报告 |
CBRequirementLevelEnum 是否必填枚举说明
| Code | 描述 |
|---|---|
| Conditional | 一定条件下填 |
| Optional | 选填 |
| Mandatory | 必填 |
异常编码详情
| errorCode | errorMessage | 中文描述 |
|---|---|---|
| AccIdError | Request accid error | 商户店铺唯一编号不可为空 |
| QueryTimeError | Request event query time error | 查询事件起止时间不可为空 |
| ChargebackIdError | Request disputePspReference error | 拒付单号不可为空 |
| ChargebackStatusError | Request chargebackStatus invalid | chargebackStatus 参数不合法 |
| QueryPageError | Request query pageSize,pageNum error | 查询页数和行数不可为空 |
| QueryPageMaxError | Request query pageSize min or max error | 查询行数超过最大或最小限制 |
| UploadFileNameError | Request upload file name invalid | 文件名称不可为空 |
| UploadFileTypeError | Request upload file type invalid | 文件种类参数不合法 |
| CBNonExist | Invalid disputePspReference provided | 拒付单号查无或不属于此 Accid |
| UploadFileError | Failed to store defense documents | 拒付文件上传失败 |
| UploadFileNumMaxError | Request upload file number max error | 文件超过最大数量，文件个数最多不能超过6个 |
| ContentCodeError | No content type of defense document specified | 申述材料类型参数不合法 |
| DefendDisputeStatusError | Dispute is not defendable | 不具备提交申诉的条件 |
| DefendEnded | Dispute defense period has ended | 拒付已过期，已经超过提交申诉的截止时间 |
| DefendExist | Dispute already defended | 已经提交过申诉/放弃申诉 |
| SystemError | System error | 系统异常 |
| OtherError | Other error | 其他异常 |
chargebackReasonCode 卡组织拒付原因代码说明
| 卡组织 | disputeType | 代码(chargebackReasonCode) | 原因描述（英） | 原因描述（中） |
|---|---|---|---|---|
| VISA | 定责类(DUTY) | 10.1 | EMV-Liability Shift Counterfeit Fraud | 责任转移假冒欺诈 |
| VISA | 定责类(DUTY) | 10.2 | EMV-Liability Shift Counterfeit Non-Fraud | 责任转移假冒非欺诈 |
| VISA | 定责类(DUTY) | 10.3 | Other Fraud Card-Present Environment | 欺诈-卡片出现环境 |
| VISA | 定责类(DUTY) | 10.4 | Other Fraud Card-Absent Environment | 欺诈-无卡环境 |
| VISA | 定责类(DUTY) | 10.5 | Visa Fraud Monitoring Program | Visa欺诈监控计划 |
| VISA | 定责类(DUTY) | 11.1 | Card Recovery Bulletin | 丢失卡 |
| VISA | 定责类(DUTY) | 11.2 | Decline Authorization | 授权被拒绝 |
| VISA | 定责类(DUTY) | 11.3 | No Authorization | 未授权 |
| VISA | 其他(OTHERS) | 12.1 | Late Presentment | 延时请款 |
| VISA | 其他(OTHERS) | 12.2 | Incorrect Transaction Code | 交易代码不正确 |
| VISA | 其他(OTHERS) | 12.3 | Incorrect Currency | 货币代码不正确 |
| VISA | 其他(OTHERS) | 12.4 | Incorrect Account Number | 账号不正确 |
| VISA | 其他(OTHERS) | 12.5 | Incorrect Amount | 金额不正确 |
| VISA | 其他(OTHERS) | 12.6 | Duplicate Processing | 重复处理 |
| VISA | 其他(OTHERS) | 12.7 | Invalid Data | 无效数据 |
| VISA | 其他(OTHERS) | 13.2 | Cancelled Recurring | 已取消的循环交易 |
| VISA | 其他(OTHERS) | 13.4 | Counterfeit Merchandise | 假冒商品 |
| VISA | 其他(OTHERS) | 13.5 | Misrepresentation | 虚假交易 |
| VISA | 其他(OTHERS) | 13.6 | Credit Not Processed | 未收到退款 |
| VISA | 其他(OTHERS) | 13.7 | Cancelled Merchandise/Services | 已取消的商品/服务 |
| VISA | 其他(OTHERS) | 13.8 | Original credit trasaction not accepted | 原始信用交易不被接受 |
| VISA | 其他(OTHERS) | 13.9 | Non-receipt of cash or load trasaction value | 未收到现金或负载交易额 |
| VISA | 未收到物品/服务(NO_RECEIVED) | 13.1 | "Merchandise/Services Not Received" | "未提供服务或未收到商品" |
| VISA | 货不对版(WRONG_GOODS) | 13.3 | Not as described or defective merchandise/ | 货物破损、有瑕疵/货物、服务与描述不符 |
| MC | 定责类(DUTY) | 4807 | Warning Bulletin | 黑名单 |
| MC | 定责类(DUTY) | 4808 | Authorization-related Chargeback | 未获得授权 |
| MC | 定责类(DUTY) | 4812 | Account number not on file | 账号不在档案中 |
| MC | 定责类(DUTY) | 4837 | No cardholder authorization | 持卡人未授权 |
| MC | 定责类(DUTY) | 4840 | Fraudulent processing of transaction | 欺诈处理交易 |
| MC | 定责类(DUTY) | 4849 | Questionable merchant activity | 可疑的商户行为 |
| MC | 定责类(DUTY) | 4870 | Chip Liability Shift | 芯片卡责任转移 |
| MC | 定责类(DUTY) | 4871 | Chip/PIN Liability Shift - NRI Fraud | 芯片卡责任转移 - 丢失/被盗/未收到问题（NRI）欺诈 |
| MC | 定责类(DUTY) | 4863 | Cardholder Does Not Recognize—Potential Fraud | 持卡人不承认交易—潜在欺诈 |
| MC | 其他(OTHERS) | 4802 | Requested/Required Information Illegible or Missing | 信息难以辨认或丢失 |
| MC | 其他(OTHERS) | 4831 | Transaction amount differs | 交易金额不符 |
| MC | 其他(OTHERS) | 4834 | Duplicate processing | 重复处理 |
| MC | 其他(OTHERS) | 4842 | Late presentment | 延时请款 |
| MC | 其他(OTHERS) | 4846 | Correct transaction currency code was not provided | 未提供正确的交易货币代码 |
| MC | 其他(OTHERS) | 4850 | Installment Billing Dispute | 分期付款争议 |
| MC | 其他(OTHERS) | 4841 | Cancelled Recurring or digital goods Transaction | 取消经常性或数字商品交易 |
| MC | 其他(OTHERS) | 4854 | Cardholder dispute not elsewhere classified (U.S. only) | 持卡人争议未分类(仅限美国) |
| MC | 其他(OTHERS) | 4859 | Addendum, No-show, or ATM Dispute | 附件，No-show或ATM争议 |
| MC | 其他(OTHERS) | 4860 | Credit not processed | 未收到退款 |
| MC | 其他(OTHERS) | 6305 | Cardholder does not agree with billed amount | 持卡人对账单金额持有异议 |
| MC | 其他(OTHERS) | 6321 | Cardholder does not recognize transaction | 持卡人不承认该笔交易 |
| MC | 其他(OTHERS) | 6322 | Transaction Certificate (ICC Transaction) | 持卡人索要交易证明 |
| MC | 其他(OTHERS) | 6323 | Transaction Information Document needed for cardholder's personal records expensereporting | 持卡人消费报销需要交易信息文件 |
| MC | 其他(OTHERS) | 6341 | Fraud investigation | 欺诈调查 |
| MC | 其他(OTHERS) | 6342 | Potential chargeback or compliance | 潜在的拒付或者应合规性文件要求 |
| MC | 其他(OTHERS) | 6343 | Real-time Substantiation Audit Request(IIAS) | 实时审核要求 |
| MC | 未收到物品/服务(NO_RECEIVED) | 4855 | Goods or Services Not Provided | 货物/服务未收到 |
| MC | 货不对版(WRONG_GOODS) | 4853 | Defective/Not as described | 货物破损/货物、服务与描述不符 |
| DC | 定责类(DUTY) | A02 | Authorization Processing Errors | 预授权处理错误 |
| DC | 定责类(DUTY) | A06 | Unissued Account Number | 未发行的账号 |
| DC | 定责类(DUTY) | C41 | Fraud - Card Present Transaction | 欺诈—有卡环境交易 |
| DC | 定责类(DUTY) | C42 | Fraud - Card Not Present Transaction | 欺诈—无卡环境交易 |
| DC | 定责类(DUTY) | C46 | Multiple Charges at Service Establishment Fraudulent Transaction | 在平台有多次欺诈收费行为 |
| DC | 定责类(DUTY) | C50 | Suspect Service Establishment – No Response to the Suspected Fraudulent Service Establishment Report | 可疑的服务机构—对涉嫌欺诈的服务报告不予以回应 |
| DC | 定责类(DUTY) | C51 | Suspect Service Establishment – Terminated Service Establishment | 可疑的服务机构—已经终止的服务 |
| DC | 定责类(DUTY) | C53 | Fraud – Chip Card Counterfeit Transaction | 欺诈—芯片卡伪造交易 |
| DC | 定责类(DUTY) | C54 | Fraud – Lost or Stolen Chip and PIN Card Transaction | 欺诈—丢失卡或被盗卡交易 |
| DC | 其他(OTHERS) | B24 | Late Presentation | 延迟请款 |
| DC | 其他(OTHERS) | B25 | Duplicate Charge | 重复收取 |
| DC | 其他(OTHERS) | B26 | Alternate Settlement Currency Incorrect Exchange Rates | 替代结算货币汇率不正确 |
| DC | 其他(OTHERS) | B27 | Incorrect Currency | 不支持的币种 |
| DC | 其他(OTHERS) | D61 | Altered Amount | 修改过的金额 |
| DC | 其他(OTHERS) | D65 | Incorrect Transaction Type | 不正确的交易类型 |
| DC | 其他(OTHERS) | D66 | Credit not Processed | 未收到退款 |
| DC | 其他(OTHERS) | D67 | Cardmember Paid by Other Means | 通过其它方式支付 |
| DC | 其他(OTHERS) | D69 | Canceled Recurring Transactions | 取消的循环交易 |
| DC | 其他(OTHERS) | D70 | Cardmember Does Not Recognize | 持卡人不承认该交易 |
| DC | 其他(OTHERS) | D71 | Non–receipt of Cash (ATM) | 未收到现金收据 |
| DC | 未收到物品/服务(NO_RECEIVED) | D62 | Non-Receipt of Goods or Services | 未收到商品或服务 |
| AE | 定责类(DUTY) | 4526 | Missing signature | 签名缺失 |
| AE | 定责类(DUTY) | 4527 | Missing imprint | 卡信息泄露 |
| AE | 定责类(DUTY) | 4540 | Card not present | 非持卡人亲自交易 |
| AE | 定责类(DUTY) | 4758 | Expired/ not yet valid card | 无效卡/已过期交易 |
| AE | 定责类(DUTY) | 4763 | Fraud full recourse | 已判定了的欺诈交易 |
| AE | 定责类(DUTY) | 4798 | Fraud liability shift – counterfeit | 责任转移假冒欺诈 |
| AE | 定责类(DUTY) | 4799 | Fraud liability shift – lost/ stolen | 责任转移卡丢失/卡被盗 |
| AE | 定责类(DUTY) | 4521 | Invalid authorisation | 无效的授权 |
| AE | 定责类(DUTY) | 4754 | Local regulatory/legal dispute | 本地监管/法律争议 |
| AE | 定责类(DUTY) | 4755 | No valid authorisation | 无效的授权 |
| AE | 其他(OTHERS) | 4512 | Multiple processing | 重复处理 |
| AE | 其他(OTHERS) | 4507 | Incorrect transaction amount or primary account number presented | 账号或金额不准确 |
| AE | 其他(OTHERS) | 4536 | Late presentment | 延迟请款 |
| AE | 其他(OTHERS) | 4523 | Unassigned Cardmember account number | 未指定的卡号 |
| AE | 其他(OTHERS) | 4752 | Credit/debit presentment error | 借记卡/信用卡处理错误 |
| AE | 其他(OTHERS) | 4513 | Credit not presented | 取消的交易，没收到退款 |
| AE | 其他(OTHERS) | 4515 | Paid through other means | 已通过其它方式支付 |
| AE | 其他(OTHERS) | 4516 | No reply to disputes enquiry letter | 对争议咨询不予回复 |
| AE | 其他(OTHERS) | 4517 | Insufficient or unclear reply to disputes enquiry letter | 对争议咨询的回复信息不足或不清楚 |
| AE | 其他(OTHERS) | 4530 | Currency discrepancy | 汇率差异争议 |
| AE | 其他(OTHERS) | 4534 | Multiple ROCs | 对额外的收费有争议 |
| AE | 其他(OTHERS) | 4544 | Cancellation of recurring goods/services | 依然收到已取消的商品/服务的账单 |
| AE | 其他(OTHERS) | 4750 | Car rental charge non-qualified/unsubstantiated | 租车费用不合理 |
| AE | 未收到物品/服务(NO_RECEIVED) | 4554 | Goods/ services ordered but not received | 未收到商品或服务 |
| AE | 货不对版(WRONG_GOODS) | 4553 | Not as described | 与商品描述不符 |
调单类原因代码说明
| 卡组织 | 代码(chargebackReasonCode) | 原因描述（英） | 原因描述（中） |
|---|---|---|---|
| AE | 6003 | Chargeback documentation needed | 需要退单文件 |
| AE | 6006 | Card Member claims fraud | 持卡人声称存在欺诈行为 |
| AE | 6008 | Card Member requests proof of transaction | 持卡人要求提供交易证明 |
| AE | 6013 | Documentation previously sent is illegible/ incomplete | 之前发送的文件不清晰/不完整 |
| AE | 6014 | Card Member does not recognise Transaction or Transaction Amount | 持卡人不认可交易或交易金额 |
| AE | 6016 | Card Member needs documentation for personal records | 持卡人需要文档作为个人记录 |
补充说明：此处例举的code是调单通知的，其他和拒付通知重复的code未进行例举。
欺诈提醒通知原因代码说明
| 卡组织 | 代码(chargebackReasonCode) | 原因描述（英） | 原因描述（中） |
|---|---|---|---|
| VISA | 0 | Card reported lost | 已报告丢失的卡 |
| VISA | 1 | Stolen | 被盗用 |
| VISA | 2 | Not received as issued (NRI) | 未按原样收到 |
| VISA | 3 | Fraudulent application | 欺诈申请 |
| VISA | 4 | Issuer counterfeit | 发行人伪造 |
| VISA | 5 | Miscellaneous | 杂项 |
| VISA | 6 | Fraudulent use of account number | 账号的欺诈使用 |
| VISA | 9 | Acquirer counterfeit | 收购方伪造 |
| VISA | A | Incorrect processing | 处理错误 |
| VISA | B | Account or credentials takeover | 账户或凭证劫持 |
| Mastercard | 0 | Card reported lost | 已报告丢失的卡 |
| Mastercard | 1 | Stolen | 被盗用 |
| Mastercard | 2 | Never received issue | 从未收到发行物 |
| Mastercard | 3 | Fraudulent application | 欺诈申请 |
| Mastercard | 4 | Counterfeit card fraud | 伪造卡片欺诈 |
| Mastercard | 5 | Account takeover fraud | 账户劫持欺诈 |
| Mastercard | 6 | Card not present fraud | 非面对面交易欺诈 |
| Mastercard | 7 | Multiple imprint fraud | 多次刷卡欺诈 |
| Mastercard | 51 | Acquirer fraud | 收购方欺诈 |
其他拒付代码说明
| disputeType | 代码(chargebackReasonCode) | 原因描述（英） | 原因描述（中） |
|---|---|---|---|
| 定责类(DUTY) | CO01 | Fraud | 欺诈 |
| 未收到物品/服务(NO_RECEIVED) | CO02 | The product / service is not provided | 未收到商品或服务 |
| 货不对版(WRONG_GOODS) | CO06 | Defective goods/Merchandise or service not as described | 商品有缺陷/商品或服务与描述不符 |
| 定责类(DUTY) | CO08 | Unauthorized | 未授权 |
| 其他(OTHERS) | CO03 | Credit not Processed | 未收到退款 |
| 其他(OTHERS) | CO04 | Unsuccessful operation | 不成功的操作 |
| 其他(OTHERS) | CO05 | Paid in another way | 已通过其它方式支付 |
| 其他(OTHERS) | CO07 | Order or Subscription Canceled | 订单或订阅已取消 |
| 其他(OTHERS) | CO09 | Duplicate transactions | 重复交易 |
| 其他(OTHERS) | CO10 | Incorrect amount | 金额不正确 |
| 其他(OTHERS) | CO11 | Other | 其他 |
Klarna 拒付原因代码说明
| disputeType | 代码(chargebackReasonCode) | 原因描述（英） | 原因描述（中） |
|---|---|---|---|
| 其他(OTHERS) | KL01 | Returns | 已退货未收到退款 |
| 未收到物品/服务(NO_RECEIVED) | KL02 | Goods not received | 未收到商品或服务 |
| 其他(OTHERS) | KL03 | Incorrect Invoice | 持卡人对账单金额持有异议 |
| 货不对版(WRONG_GOODS) | KL04 | Faulty goods | 货物破损/货物、服务与描述不符 |
| 其他(OTHERS) | KL05 | Already paid | 重复付款 |
| 定责类(DUTY) | KL06 | Unauthorized purchases | 未授权交易 |
| 定责类(DUTY) | KL07 | High-risk order | 高风险订单 |
Alipay 拒付原因代码说明
| disputeType | 代码(chargebackReasonCode) | 原因描述（英） | 原因描述（中） |
|---|---|---|---|
| 定责类(DUTY) | 6801 | Risk related Request | 风险相关请求 |
| 其他(OTHERS) | 6802 | Non-risk related Request | 非风险相关请求 |
| 定责类(DUTY) | 7803 | User denied participating in a Transaction | 用户否认参与交易 |
| 未收到物品/服务(NO_RECEIVED) | 78011 | Merchandise/Service Not Received | 未收到商品/服务 |
| 货不对版(WRONG_GOODS) | 78012 | Not as Described | 与描述不符 |
| 其他(OTHERS) | 78013 | Refund not Processed | 退款未处理 |
| 其他(OTHERS) | 78021 | Amount Differs | 金额不符 |
| 其他(OTHERS) | 78022 | Duplicate Processed | 重复处理 |
| 其他(OTHERS) | 78023 | Paid by Other Means | 通过其他方式支付 |