# Disputes

A Dispute, or chargeback, is a card payment the cardholder's bank is reversing. It is not a refund: PayMongo holds the amount and a PHP 800 fee from your payout straight away, and you have 5 working days to answer with evidence. For the lifecycle and what to submit, read PayMongo's [Disputes & Chargebacks guide](https://docs.paymongo.com/docs/payment-acceptance-disputes).

The package reads disputes. Answering one, by submitting evidence or accepting it, happens in the PayMongo dashboard under **Transactions > Disputes**; PayMongo has no API for it.

Every method lives on `Paymongo::disputes()`, and a single dispute comes back as a `Luigel\Paymongo\Data\Dispute`. PayMongo's API reference does not document these endpoints yet. The typed attributes are `amount`, `currency`, `status` and `reason`, and the rest of the payload is available through `attribute()`.

## Retrieve a dispute

`retrieve()` returns one dispute. Take its id from the webhook:

```php
use Luigel\Paymongo\Enums\DisputeStatus;
use Luigel\Paymongo\Facades\Paymongo;

$dispute = Paymongo::disputes()->retrieve('dsp_7HkQmPzW3xVbNcLtRfYs2DgA');

$dispute->money()?->format();                        // "₱1,500.50", held from your payout
$dispute->reason;                                    // ?string, e.g. "fraudulent"
$dispute->status === DisputeStatus::UnderReview;     // ?DisputeStatus: UnderReview, Won, Lost or Expired
```

## List disputes

`list()` returns a page of disputes. Iterate it, check `hasMore`, call `nextPage()`, or `lazy()` to walk every page:

```php
use Luigel\Paymongo\Facades\Paymongo;

foreach (Paymongo::disputes()->list(['limit' => 25])->lazy() as $dispute) {
    $dispute->id;     // "dsp_..."
    $dispute->status; // ?DisputeStatus
}
```

## When PayMongo refuses

An account without dispute access gets a `403` with the code `access_denied`, thrown as a `Luigel\Paymongo\Exceptions\InvalidRequestException`. Test-mode accounts get it too, so `Paymongo::fake()` and `Fixtures::dispute()` are how to test your handling. See [Testing](/testing.md).