Dispute / Chargeback Reconciliation Guide

This guide walks through chargeback reconciliation at both the Merchant Account and Agent level using the Payarc API.

Step 1: Export Chargeback Data (/cases Endpoint)

curl --location --globoff 'https://api.payarc.net/v1/cases?report_date[gte]=2025%2F04%2F01&report_date[lte]=2025%2F05%2F20' \
--header 'Authorization: Bearer YOUR_SECRET_KEY' \
--header 'Accept: application/json'

Step 2: Retrieve Transaction Details for Merchant Account (Skip this step if you looking to reconcile in Agent/ISV level)

Use the /batch/reports/details endpoint to retrieve individual merchant transaction batch details for a specific date.

Note: This endpoint uses batch date, which may differ from the transaction date by a few days.

curl --location '<https://api.payarc.net/v1/batch/reports/details?date=2025-04-03'>  
--header 'accept: application/json, text/plain, _/_'  
--header 'authorization: Bearer YOUR_SECRET_KEY' \\

Step 3: Retrieve Batch Reports by Date Range (Agent / ISV)

This call returns batch records with Batch Reference Number and Merchant Account Number, which are key to retrieving full transaction breakdowns.

curl --location --request GET 'https://api.payarc.net/v1/agent/batch/reports' \
--header 'Authorization: Bearer YOUR_AGENT_SECRET_KEY' \
--header 'accept: application/json' \
--header 'content-type: application/json' \
--data '
{
  "from_date": "2023-11-01",
  "to_date": "2023-11-05"
}
'

Sample Response

"data": [
    {
        "Merchant_Account_Number": "0000000018685190",
        "Settlement_Date": "2023-11-01",
        "Transactions": 15,
        "Batch_Reference_Number": 90001000015,
        "dba_name": "DII Store #30",
        "pfac_account_type": "traditional"
    },
    {
        "Merchant_Account_Number": "0567000000012120",
        "Settlement_Date": "2023-11-03",
        "Transactions": 63,
        "Batch_Reference_Number": 90001391437,
    }.....

Step 4: Get Detailed Transaction Record by Batch & Merchant (Agent / ISV)

With Batch_Reference_Number and Merchant_Account_Number, you can query the full breakdown of all transaction records in that batch.

curl --location 'https://api.payarc.net/v1/agent/batch/reports/details/0567000000012120?reference_number=90001391437&date=2023-11-03' \
--header 'Authorization: Bearer YOUR_AGENT_SECRET_KEY' \

Example Response:

{
    "Merchant_Account_Number": "0007000000012120",
    "amount": "00000017885",
    "card_number": "********\*********09",
    "trans_type": "Sale",
    "transaction_date": "2023-11-01",
    "pos_entry_mode": "01",
    "auth_code": "211**\*",
    "card_type": "AM",
    "batch_ref_num": 90001391437,
    "submitted_interchange": null,
    "charge_id": null,
    "acquirer_reference_number": "700000306900013913405",
    "foreign_indicator": null,
    "purchase_id": null,
    "transaction_identifier": "0065660884\*\*\***",
    "terminal_id": "77356977",
    "debit_network_identifier": null
}

You Will Get:

amount / merchant_amount
transaction_date
auth_code
card_number_prefix
card_last4
card_number
acquirer_reference_number

Match the disputed transaction from the chargeback /cases to the actual sale in batch reports.