Track a card chargeback through representment using Lithic's Disputes (Chargebacks) API and webhooks

Steps

1. Confirm the disputed transaction's status is SETTLED — Lithic rejects dispute creation for transactions that haven't settled
2. Create the dispute with POST /v1/disputes, supplying transaction_token, amount, and a reason enum value (e.g. GOODS_SERVICES_NOT_RECEIVED)
3. Upload supporting evidence via POST /v1/disputes/{dispute_token}/evidences and PUT the file to the returned upload_url within its 30-minute expiry
4. Create an event_subscription for the dispute.updated event type to track status transitions (NEW → SUBMITTED → REPRESENTMENT → PREARBITRATION/ARBITRATION → CASE_WON/CASE_CLOSED)
5. When status reaches REPRESENTMENT, fetch the dispute via GET /v1/disputes/{dispute_token} to read representment_date and decide whether to escalate to prearbitration or accept the loss
6. On CASE_WON or CASE_CLOSED, use resolution_reason and resolution_date to post the credit or write-off to the ledger