Upon receiving a chargeback initiation notification, use the provided data to assist in managing the process. This data will be essential for preparing and submitting the necessary documentation for the dispute.

In this stage, analyze the detailed information included in the notification to understand the specific aspects of the chargeback. Below, we present a diagram that illustrates how the document submission and receipt flow works:

Start the process by consulting the chargeback information using the id or payment_id provided in the notification body. From the obtained details, it will be possible to evaluate if there is a need to submit documentation to continue the chargeback.

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curl --location --globoff 'https://api.mercadopago.com/v1/chargebacks/{id}' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer {{access_token}}'

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{
    "id": "234000062890459000",
    "payments": [
        86439942806
    ],
    "currency": "ARS",
    "amount": 1000.50,
    "reason": "general",
    "coverage_applied": null,
    "coverage_elegible": true,
    "documentation_required": false,
    "documentation_status": "not_supplied",
    "documentation": [],
    "date_documentation_deadline": null,
    "date_created": null,
    "date_last_updated": "2024-10-17T12:48:24.000-04:00",
    "live_mode": true
}

In the response to the query made to obtain more information about the chargeback, it will be indicated if you need to submit the necessary documentation to dispute it. You will only need to do so if the documentation_required field is true and the date_documentation_deadline field indicates a future date.

At this stage, you can submit the documentation proving that the sale is valid through the following POST request:

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curl -X POST  \
-F 'files[]=@/path/to/file/file1.png' \
-F 'files[]=@/path/to/file/file2.pdf' \
-H 'Authorization: Bearer {{access_token}}'
https://api.mercadopago.com/v1/chargebacks/{id}/documentation

If the files are successfully submitted, the API will return an HTTP 200 code and the documentation_status of the chargeback will be changed to review_pending.

After receiving the documentation, Mercado Pago acts as a mediator in the chargeback resolution process. The analysis is initiated with the card brand, which then sends the received documentation to the card-issuing bank. Once the bank's analysis is completed, the chargeback resolution is determined and the involved parties are notified.

Wait for the Webhook notification regarding the resolution and check the chargeback again using the endpoint Get Chargeback. After the resolution, the coverage_applied field will indicate the result and will assume one of the possible values:

When a chargeback is initiated, the status of the associated payment is directly impacted. Initially, the status is changed to charged_back and the status_detail to in_process. After the conclusion of the chargeback analysis, whether by the decision of the issuing bank, the determination of eligibility for coverage by Mercado Pago, or the absence of provided documentation, the status_detail of the payment will be updated to settled or reimbursed.