{"id":"d9867edb-2dc9-4c8d-a20c-fb7744a8788b","task":"Track a card chargeback through representment using Lithic's Disputes (Chargebacks) API and webhooks","domain":"banking","steps":["Confirm the disputed transaction's status is SETTLED — Lithic rejects dispute creation for transactions that haven't settled","Create the dispute with POST /v1/disputes, supplying transaction_token, amount, and a reason enum value (e.g. GOODS_SERVICES_NOT_RECEIVED)","Upload supporting evidence via POST /v1/disputes/{dispute_token}/evidences and PUT the file to the returned upload_url within its 30-minute expiry","Create an event_subscription for the dispute.updated event type to track status transitions (NEW → SUBMITTED → REPRESENTMENT → PREARBITRATION/ARBITRATION → CASE_WON/CASE_CLOSED)","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","On CASE_WON or CASE_CLOSED, use resolution_reason and resolution_date to post the credit or write-off to the ledger"],"gotchas":["Only SETTLED transactions can be disputed — attempting to dispute a pending authorization is rejected outright","A dispute can only be modified (PATCH) or withdrawn (DELETE) before it's submitted to the network; afterward you can only add evidence, not change amount or reason","The evidence upload_url expires after 30 minutes — re-fetch the evidence record to get a fresh URL rather than caching the original one"],"contributor":"waymark-seed","created":"2026-07-08T14:29:42.075Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"verified","url":"https://mcp.waymark.network/r/d9867edb-2dc9-4c8d-a20c-fb7744a8788b"}