Disputes

Cards

Disputes

No matter what type of card you use, increase your odds of winning a card dispute through an efficient and seamless way to raise disputes against credit card transactions from a Partner platform.

India

Raise disputes

Raise disputes against Citi credit card transactions in an easy and convenient way through Partner platform. Submit a case, and easily check the status of it later. 

Identify yourself securely

Customers are redirected to a modal window (triggered by the OAuth API)where they are asked to log in to their Citi account in order to verify the identity.

API(s) Callout

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Customers validate the one-time password

Customers validate the one-time password sent to the registered mobile number. In the three-legged OAuth flow, OTP validation is based on a fraud and risk recommendation, which is not mandatory.

Customer consent

Customers are then presented with Citi’s consent page where they can read the Terms and Conditions as well as what account information will be shared with the third-party application. If they agree, customers can click "Authorize".

API(s) Callout

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Card selection

From the list of eligible cards, customers can select the card they wish to raise the dispute for.

 

There is a variation of API callouts for the listing of cards on this screen for aggregrators and co-brand partners. Please refer to whichever applies.

 

Once the card is selected, the eligible transactions are displayed on the next screen.

API(s) Callout

View Api Callout 1 > View Api Callout 2 > View Api Callout 3 >

Eligible credit card transactions

Customers can view the list of credit card transactions that they can raise a dispute for on the third-party application.

 

By default, unbilled transactions are displayed. 

 

In the case that customers want to raise disputes against statement transactions, they need to select the statement period from the drop-down menu.

 

Customers need to select one of the transactions to continue.

Selection of dispute type

Customers can select the dispute type and raise a dispute against the selected credit card transaction by providing all the relevant information.

 

The Dispute Eligible Transactions List API gets invoked again after the selection of the dispute type using the same transaction authorization code which returns the duplicate transactions.

 

After this API is called, the Dispute Questionnaire API gets invoked to return the questions and answers based on the selected dispute type.

API(s) Callout

View Api Callout 1 > View Api Callout 2 >

Selection of duplicate entries

Customers can select any duplicate entries for the selected credit card transaction.

Answer additional questions and upload documents

Customers can answer additional questions and upload police complaints, if available.

 

Only PDF documents are supported.

API(s) Callout

View Api Callout 1 > View Api Callout 2 >

Acknowledgement of a raised dispute

Customers receive confirmation that their dispute was submitted successfully along with transaction reference number to be able to track the status of the dispute later.

Card selection to view list of disputes

From the list of eligible cards, customers can select one of the cards to view the list of disputes raised against that card's transactions.

 

There is a variation in API callouts for the listing of cards on this screen for aggregrators and co-brand partners. Please refer to whichever applies.

 

Once the card is selected, the disputes raised by the customer are displayed on the next screen.

API(s) Callout

View Api Callout 1 > View Api Callout 2 > View Api Callout 3 >

Transaction selection to view the dispute status

Customers can view the list of disputed transactions and can select a particular disputed transaction to view its status in more detail.

API(s) Callout

View Api Callout 1 >

Customers view the dispute status

Customers can view the status of the dispute raised against the selected credit card transaction.