Mastercard compliance disputes

Use the API to respond to Mastercard compliance disputes.

Businesses receive Mastercard compliance disputes in certain cases when the card issuer believes the disputed transaction doesn’t conform to Mastercard’s network rules. If Mastercard compliance disputes can’t be resolved between the parties, the dispute is resolved by the network in exchange for a fee.

If you contest a Mastercard compliance dispute, in addition to the applicable Stripe dispute fees, Stripe collects a 500 USD (or local equivalent) amount to cover the network costs associated with resolving Mastercard compliance disputes. Stripe refunds the 500 USD if you win the dispute.

Note

Compliance cases filed by issuers are referred to as pre-compliance disputes by Mastercard. Mastercard uses a two-stage escalation process where a pre-compliance filing can escalate to a full compliance case.

Identify Mastercard compliance disputes

You can identify a Mastercard compliance dispute from the Dispute object.

Use any of the following indicators to identify a Mastercard compliance dispute:

• payment_method_details.case_type is set to compliance .
• enhanced_eligibility_types contains mastercard _ compliance .
• reason is noncompliant .

{
 "id": "du_TFCU9xJ2Gsj7BAiAoQok8Icp",
 "charge": "ch_vEUUPELhHVkPbMN1md3B0vG7",
 "enhanced_eligibility_types": ["mastercard_compliance"],
 "reason": "noncompliant",
 "payment_method_details": {
 "card": {
 "brand": "mastercard",
 "case_type": "compliance"
 }
 }
}

Close Mastercard compliance disputes using the API

Closing a Mastercard compliance dispute indicates that you don’t have any evidence to submit and are essentially dismissing the dispute, acknowledging it as lost. You aren’t charged the 500 USD Mastercard compliance network fee if you choose to close the dispute.

To close a dispute, use Close a dispute.

Warning

Closing a dispute is irreversible.

Respond to Mastercard compliance disputes using the API

The process of responding to a Mastercard compliance dispute is similar to responding to other disputes. You can use Update a dispute to submit evidence to counter a dispute.

For Mastercard compliance disputes, you must explicitly acknowledge a 500 USD network fee using enhanced evidence. Stripe withdraws the 500 USD network fee from your balance asynchronously after you submit evidence, typically within 1-2 days. Stripe refunds this network fee if you win the dispute.

To acknowledge the network fee, you must set evidence.enhanced_evidence.mastercard_compliance.fee_acknowledged to true when submitting evidence.

{
 "id": "du_TFCU9xJ2Gsj7BAiAoQok8Icp",
 "charge": "ch_vEUUPELhHVkPbMN1md3B0vG7",
 "evidence": {
 ...
 "enhanced_evidence": {
 "mastercard_compliance": {
 "fee_acknowledged": true
 }
 }
 }
 ...
}

If you acknowledge the Mastercard compliance network fee, evidence_details.enhanced_eligibility.mastercard_compliance.status changes to fee_acknowledged, indicating your acknowledgement.

{
 "id": "du_TFCU9xJ2Gsj7BAiAoQok8Icp",
 "charge": "ch_vEUUPELhHVkPbMN1md3B0vG7",
 "evidence": {
 ...
 "enhanced_evidence": {
 "mastercard_compliance": {
 "fee_acknowledged": true
 }
 }
 },
 "evidence_details": {
 ...
 "enhanced_eligibility": {
 "mastercard_compliance": {
 "status": "fee_acknowledged"
 }
 }
 }
 ...
}

Warning

If you attempt to submit evidence for a Mastercard compliance dispute without acknowledging the network fee, Stripe returns an error response and doesn’t submit your provided evidence.

Testing

To test responding to Mastercard compliance disputes, use the following test card, which creates a Mastercard compliance dispute:

Similar to live mode Mastercard compliance disputes, Stripe returns an error response if you submit evidence without acknowledging the network fee.

Note

To simulate a won or lost state for the overall dispute, set uncategorized_text to winning_evidence or losing_evidence as outlined in Testing.