payabli-disputes

Payabli disputes (chargebacks & returns)

Handle money coming back out after the fact: chargebacks, ACH returns, and failed refunds.

Disputes and returns originate externally — a cardholder or bank starts a chargeback, the processor returns an ACH debit. Through the API you can only read and respond, never create them. Read both through GET /Query/chargebacks (a record's Method and status distinguish a card chargeback from an ACH return). In sandbox, chargebacks are simulated by a manual import in the Payabli Portal. To simulate an ACH return, contact your Payabli Solution Engineer with the transaction IDs of the ACH transactions you want turned into returns — there's no self-serve API or Portal flow for it.

Load fundamentals first

If payabli-fundamentals is not already loaded, load it now, then continue.

On load

If payabli-integration.md exists at the repo root, read it; honor its ## SDK value.

Chargebacks

When a cardholder disputes a charge, the funds are debited immediately and a fee applies. You have a limited window (about 10 days) to respond with evidence via POST /ChargeBacks/response/{Id} — transaction receipt, customer communication, terms accepted, and transaction-specific proof. You cannot refund a transaction once its chargeback is initiated. https://docs.payabli.com/guides/pay-ops-disputes-chargebacks-returns-overview.md

ACH returns

Returned ACH debits carry return codes (for example R01 insufficient funds, R02 account closed, R10 unauthorized). Monitor your return rates — exceeding network thresholds risks suspension. https://docs.payabli.com/guides/pay-ops-transfers-ach-returns.md

Failed refunds

A failed refund — especially ACH — usually surfaces later as an ACH return, not an immediate error. If a refund fails, confirm it was initiated correctly for the right transaction, then make the customer whole another way (store credit, check, or another method). Card refunds rarely fail. https://docs.payabli.com/guides/pay-in-refunds-failures-overview.md

Boundary

Voiding or refunding a healthy transaction (the normal reversal decision) is not this skill — that's payabli-accept-payments. This skill is for chargebacks, returns, and recovering from a refund that failed.