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# Find and review card disputes (Portal)

> Use the Card Disputes report to find, filter, and review disputes before you respond

Card disputes carry strict response deadlines — an unanswered chargeback is an automatic loss. Use the Card Disputes report to monitor open disputes and review individual records to determine how to act on each. For background on how the process works, see [Payment disputes](/guides/pay-ops-disputes-chargebacks-returns-overview).

If you received a [card dispute notification](/guides/pay-ops-portal-notifications-manage), it contains information you can use to filter the report and navigate to the record.

All roles can view dispute records and import disputes. Responding to disputes, changing status, and accepting liability require an Admin or Manager role. Adding notes to a dispute requires an Admin role.

## Find card disputes

To search for individual card disputes, use filters on the report page.

1. Navigate to **Pay In > Reports > Card Disputes**.
2. Use **Filters** to narrow the list. Useful filters for prioritizing disputes include:
   * **Reply By** — surface disputes approaching their response deadline
   * **Status** — filter to **Open** to show disputes that still need action
   * **Dispute Type** — separate retrieval requests from active chargebacks
   * **Reason Name & Code** — useful when investigating a pattern across many disputes
3. Click a dispute row to open the detail view.

The notification email labels the dispute identifier as the **Confirmation Number**. In the Card Disputes report, paste that value into the **Reference Number** filter to locate the unique dispute record.

## Monitor card disputes with saved reports and notifications

Saved reports let you return to a filtered view without reconfiguring filters each time. Use them for recurring monitoring tasks like checking open disputes each morning or reviewing what's approaching its reply deadline.

To save a report, apply the filters you want to reuse, then click **Save Report**, enter a name and optional description, and **Save**. To load a saved report, click the dropdown beside **Card Disputes** and select it from the list.

Some useful starting points:

| Goal                                 | Filters to set                                                              |
| ------------------------------------ | --------------------------------------------------------------------------- |
| Open disputes that still need action | **Status** = Open                                                           |
| All disputes in the last month       | **Dispute Date** = last 30 days                                             |
| Investigate a recurring reason code  | **Reason Name & Code** = \[specific code] + **Dispute Date** = last 90 days |

You can also set up [report notifications](/guides/pay-ops-portal-notifications-manage) to alert team members when disputes are resolved.

## Read a dispute record

To see more information about a card dispute, click a dispute row, or click the three-dot icon and select **View Details**.

The detail view for individual disputes lets you compare the dispute details with the transaction details. Use the **Responses** tab to view any official responses to the dispute created with Payabli. The **Notes** tab shows the history of the dispute and any notes from admins involved with this dispute's lifecycle.

Focus on these fields when reviewing a dispute:

| Field                       | What it tells you                                                                                                                                                   |
| --------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Dispute Type**            | Whether this is a chargeback or a retrieval request                                                                                                                 |
| **Reason Name & Code**      | Why the dispute was filed. See [Card brand reason codes](/guides/pay-ops-disputes-chargebacks-returns-overview#card-brand-reason-codes-references) for descriptions |
| **Reply By**                | Respond before this date or the dispute is automatically lost                                                                                                       |
| **Net Amount**              | The disputed amount                                                                                                                                                 |
| **Status**                  | Whether the dispute still needs action. **Open** means a response is required, and closed statuses reflect the outcome                                              |
| **Payment Method & Last 4** | Identifies the card involved                                                                                                                                        |

Once a chargeback is initiated, you can't refund the associated transaction. You can still refund during a retrieval request. See [Payment disputes](/guides/pay-ops-disputes-chargebacks-returns-overview) for background on how the process works.

## Related resources

See these related resources to help you get the most out of Payabli.

* **[Payment disputes](/guides/pay-ops-disputes-chargebacks-returns-overview)** - Understand how chargebacks and retrieval requests work before monitoring disputes

- **[Respond to a card dispute (Portal)](/guides/pay-in-portal-card-disputes-respond)** - Respond to or accept liability for a dispute once you've reviewed the record

* **[Manage notifications in the UI](/guides/pay-ops-portal-notifications-manage)** - Learn how to add and manage notifications and automated reports in the UI
* **[Manage ACH returns (Portal)](/guides/pay-in-portal-ach-returns-manage)** - Find, review, and add notes to ACH returns in the ACH Returns report