> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xpaycheckout.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> What disputes are, where to track them, and how you're notified.

## What is a dispute?

A **dispute** is raised when a customer challenges a transaction through their issuing bank instead of contacting you directly. The bank reverses the payment (chargeback) while it investigates and asks you to prove the charge was valid.

When a dispute is raised, Partner banks holds the disputed amount from your balance and notifies you to respond. If you submit evidence that supports the charge and win, the funds are returned. If you don't respond by the deadline, or the bank rules against you, the dispute is lost and the amount stays deducted.

<Note>
  Responding on time with clear, relevant evidence is the single biggest factor in winning a dispute. This section walks you through every step.
</Note>

## Where to see disputes

Disputes are managed from the xPay Dashboard.

* **Path**: [Dashboard → Disputes](https://app.xpaycheckout.com/disputes)
* Each dispute shows its current status, the reason for the challenge, the disputed amount, and the response deadline. An active dispute awaiting your response has the status `DISPUTED`.

## How you're notified

When a dispute is raised on one of your transactions, xPay alerts you through:

* **Email** — sent to your registered account contacts
* **Dashboard** — the dispute appears under [Dashboard → Disputes](https://app.xpaycheckout.com/disputes)
* **Webhooks** — subscribe to the [dispute events](/developer-resources/webhooks/events/intentEvents/disputed) to track disputes programmatically

***

## Explore this section

<Columns cols={2}>
  <Card title={<div><Icon icon="arrows-rotate" /> &nbsp; How disputes work </div>} href="/dashboard-operations/dispute-management/how-disputes-work" cta="Read more">
    The dispute lifecycle, from a customer complaint to a final outcome.
  </Card>

  <Card title={<div><Icon icon="clock" /> &nbsp; Deadlines </div>} href="/dashboard-operations/dispute-management/deadlines" cta="Read more">
    Response deadlines and what happens if you miss them.
  </Card>

  <Card title={<div><Icon icon="list" /> &nbsp; Reason codes </div>} href="/dashboard-operations/dispute-management/reason-codes" cta="Read more">
    What each dispute reason code means across card, bank, ACH, and check.
  </Card>

  <Card title={<div><Icon icon="shield-halved" /> &nbsp; Responding by reason </div>} href="/dashboard-operations/dispute-management/responding-by-reason" cta="Read more">
    How to fight or accept each reason, and the evidence that wins.
  </Card>

  <Card title={<div><Icon icon="file-lines" /> &nbsp; Evidence guidelines </div>} href="/dashboard-operations/dispute-management/evidence-guidelines" cta="Read more">
    How to submit evidence, and how to respond to or accept a dispute.
  </Card>

  <Card title={<div><Icon icon="thumbs-up" /> &nbsp; Reducing disputes </div>} href="/dashboard-operations/dispute-management/reducing-disputes" cta="Read more">
    Best practices to prevent disputes before they happen.
  </Card>
</Columns>