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# Dispute Reason

The list of possible reasons why a cardholder might initiate a
dispute with their bank.

## Enumeration

`DisputeReason`

## Fields

| Name | Description |
|  --- | --- |
| `AMOUNT_DIFFERS` | The cardholder claims that they were charged the wrong amount for the purchase.<br>To challenge this dispute, provide specific and concrete evidence that the cardholder agreed<br>to the amount charged. |
| `CANCELLED` | The cardholder claims that they attempted to return the goods or cancel the service.<br>To challenge this dispute, provide specific and concrete evidence to prove that the cardholder<br>is not due a refund and that the cardholder acknowledged your cancellation policy. |
| `DUPLICATE` | The cardholder claims that they were charged twice for the same purchase.<br>To challenge this dispute, provide specific and concrete evidence that shows both charges are<br>legitimate and independent of one another. |
| `NO_KNOWLEDGE` | The cardholder claims that they did not make this purchase nor authorized the charge.<br>To challenge this dispute, provide specific and concrete evidence that proves that the cardholder<br>identity was verified at the time of purchase and that the purchase was authorized. |
| `NOT_AS_DESCRIBED` | The cardholder claims the product or service was provided, but the quality of the deliverable<br>did not align with the expectations of the cardholder based on the description.<br>To challenge this dispute, provide specific and concrete evidence that shows the cardholder is in<br>possession of the product as described or received the service as described and agreed on. |
| `NOT_RECEIVED` | The cardholder claims the product or service was not received by the cardholder within the<br>stated time frame.<br>To challenge this dispute, provide specific and concrete evidence to prove that the cardholder is<br>in possession of or received the product or service sold. |
| `PAID_BY_OTHER_MEANS` | The cardholder claims that they previously paid for this purchase.<br>To challenge this dispute, provide specific and concrete evidence that shows both charges are<br>legitimate and independent of one another or proof that you already provided a credit for the charge. |
| `CUSTOMER_REQUESTS_CREDIT` | The cardholder claims that the purchase was canceled or returned, but they have not yet received<br>the credit.<br>To challenge this dispute, provide specific and concrete evidence to prove that the cardholder is not<br>due a refund and that they acknowledged your cancellation and/or refund policy. |
| `EMV_LIABILITY_SHIFT` | A chip-enabled card was not processed through a compliant chip-card reader (for example, it was swiped<br>instead of dipped into a chip-card reader).<br>You cannot challenge this dispute because the payment did not comply with EMV security requirements.<br>For more information, see [What Is EMV?](https://squareup.com/emv) |

VaKeR 2022