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Documentation Index

Fetch the complete documentation index at: https://developers-sandbox.uqpaytech.com/llms.txt

Use this file to discover all available pages before exploring further.

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Overview

When a cardholder files a formal dispute against a payment, it initiates a chargeback process where funds are debited from your UQPAY balance for the disputed amount plus associated fees. Several key consequences occur:
  • Card networks debit UQPAY for the disputed payment and fees.
  • Your account balance is debited for the dispute amount plus a fee.
  • Refunds cannot be issued outside the dispute process while it remains open.
  • Your dispute rate with that card network increases.

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Timing

  • Cardholders typically have 120 days of the original payment to initiate disputes (certain industries like travel and event ticketing may allow longer periods).
  • After a chargeback is created, you generally have 7-21 days (depending on the card network) to respond.
  • Card issuers then have usually 60-75 days to evaluate evidence and decide the outcome.
  • The entire dispute lifecycle can span 2-3 months to complete.
  • Accepting the dispute through the Dashboard is the only reliable way to accelerate resolution.

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Dispute Fees

A dispute handling fee of 7.50 USD is deducted when a cardholder initiates a dispute.

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Responding to Disputes

You can challenge disputes by submitting strong evidence before deadlines. Even if your customer claims to have withdrawn the dispute, you must respond with evidence for resolution in your favor.

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After the Decision

The card issuer’s final decision is communicated to both UQPAY and you. This outcome is final and cannot be overturned by either party.

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Arbitration

While some card networks support arbitration for lost disputes with substantial fees (~500 USD), UQPAY does not currently support this phase.