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Dispute Simulator
Explore chargeback reason codes and simulate the dispute lifecycle — from initial chargeback through representment, pre-arbitration, and arbitration.
Animated dispute lifecycle
When a cardholder disputes a transaction it enters a structured, multi-stage process between issuer, scheme, and acquirer — potentially ending in scheme arbitration.
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CardholderDisputing party
IssuerCardholder bank
NetworkScheme / arbiter
AcquirerMerchant bank
MerchantSeller
1
Dispute Raised
2
Chargeback Initiated
3
Routed to Acquirer
4
Merchant Notified
5
Representment
6
Pre-Arbitration
7
Arbitration Ruling
Dispute
Dispute Raised
Cardholder contests a transaction with their issuer.
Common reasons: fraud, goods not received, not as described, duplicate, or credit not processed. The issuer maps the reason to a scheme chargeback reason code.
Response
Dispute
Completion
Visa reason codes