Accept RPC

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title: Accept description: Concede dispute and accept chargeback loss when evidence is insufficient last_updated: 2026-03-11 generated_from: backend/grpc-api-types/proto/services.proto auto_generated: false reviewed_by: engineering reviewed_at: 2026-03-05

approved: true

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Overview

The Accept RPC concedes a chargeback dispute and accepts the loss. Use this when you lack sufficient evidence to defend, when the customer's claim is valid, or when the dispute amount is less than the cost of defense.

Business Use Case: Not all disputes are worth fighting. When you don't have delivery confirmation, the product was genuinely defective, or the dispute amount is small, accepting the chargeback avoids additional fees and administrative overhead.

Purpose

When to accept disputes?

Scenario	Reason	Outcome
No delivery proof	Cannot prove product was delivered	Accept to avoid losing defense fee
Valid customer complaint	Product/service issue confirmed	Accept to maintain customer relationship
Dispute amount < defense cost	$20 dispute vs $15 defense fee	Accept to minimize total loss
Evidence deadline passed	Missed submission window	Accept as defense is no longer possible
Fraudulent transaction confirmed	Internal investigation confirmed fraud	Accept and write off loss

Key outcomes:

Dispute status changes to ACCEPTED
Chargeback processed immediately
Funds debited from your account
Defense process terminated

Request Fields

Field	Type	Required	Description
`merchant_dispute_id`	string	Yes	Your unique dispute reference
`connector_transaction_id`	string	Yes	Original transaction ID
`dispute_id`	string	Yes	Connector's dispute identifier

Response Fields

Field	Type	Description
`dispute_id`	string	Connector's dispute identifier
`dispute_status`	DisputeStatus	Updated status: ACCEPTED
`connector_status_code`	string	Connector-specific status code
`error`	ErrorInfo	Error details if acceptance failed
`status_code`	uint32	HTTP-style status code
`response_headers`	map	Connector-specific response headers
`merchant_dispute_id`	string	Your dispute reference (echoed back)
`raw_connector_request`	SecretString	Raw API request sent to connector (debugging)

Example

Request (grpcurl)

grpcurl -H "x-connector: stripe" \
  -H "x-connector-auth: {\"Stripe\":{\"api_key\":\"$STRIPE_API_KEY\"}}" \
  -d '{
    "merchant_dispute_id": "dispute_001",
    "connector_transaction_id": "pi_3Oxxx...",
    "dispute_id": "dp_1Oxxx..."
  }' \
  localhost:8080 \
  ucs.v2.DisputeService/Accept

Response

{
  "dispute_id": "dp_1Oxxx...",
  "dispute_status": "ACCEPTED",
  "status_code": 200
}

Next Steps

Get - Verify dispute status after acceptance
Payment Service - Review original transaction

Accept