# Dispute

> Transactions module enables efficient dispute management through search, export, and detailed case handling—including chargeback acceptance, manual defense, or AI-assisted defense via Antom Copilot—alongside configurable chargeback alert settings for RDR and CDRN.

You can complete the following tasks under **Payments**:

-   Handle disputes
-   Set chargeback alerts
-   Manage risk & dispute

## Handle disputes

In addition to calling [dispute APIs](https://docs.antom.com/ac/ams/accept.md), you can also receive and efficiently handle dispute cases in real time on [Antom Dashboard](https://dashboard.alipay.com/global-payments/home) through **Payments** > **Dispute**. On the **Dispute** page, you can perform the following actions:

-   Search for the desired dispute case using the respective ID.
-   Export the dispute details to an Excel (.xlsx) file.
-   On the dispute details page, view the details of a dispute, accept or defend a chargeback.

### Search for a dispute

On the **Dispute** page, you can filter by **Dispute ID**, **Transaction ID**, or **Merchant Payment Request ID**, and search for related disputes using the respective ID. To further filter the list of disputes, you can use filter settings such as **Chargeback alert type**, **Dispute Status**, and others.

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/6e391fb5-6048-4903-a4be-9b11abbd4c3f.png)

### Export dispute details

On the **Dispute** page, click **Export dispute information** to export the information of disputes available in the dispute list to an Excel (.xlsx) file.

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/f7ee8158-0b04-48ab-a95b-b44bb396384c.png)

### Dispute details page

On the **Dispute** page, under the list of disputes, click the dispute ID of the desired dispute case to view the dispute details page. On the dispute details page, you can view dispute information such as dispute status, dispute details, transaction details, bank card information, and dispute history.

On the dispute details page, you may handle a dispute case in either of the following ways:

-   Accept a chargeback: You can choose to accept the chargeback to resolve the dispute.
-   Defend a chargeback: You can choose either the [manual chargeback defense](#z5QWO) or the [Antom Copilot chargeback defense](#OBhDD).

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/fd444318-9752-4ee0-834f-31b526ff5285.png)

#### Accept a chargeback

If you wish to accept the chargeback, click **Accept Chargeback** on the dispute details page, and click **Confirm** on the **Accept the Chargeback** pop-up window to complete the process.

| ![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/8ffc5315-0ce1-4f41-b472-bfae40099bfa.png) | ![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/6eb585f1-610c-4a71-a258-e9422e2581f4.png) |
| --- | --- |

#### Defend a chargeback

If you wish to defend the chargeback, you can handle the dispute using one of the following methods:

-   Manual chargeback defense
-   Antom Copilot chargeback AI assistant

##### Manual chargeback defense

If you want to defend a chargeback manually, click **Defend Chargeback** on the dispute details page. On the **Defend Chargeback** pop-up window, use one of the following methods to submit the defense materials:

-   **Using AI Defense Template**: Use the AI defense template to help you generate the dispute defense materials and submit it with one click for fraud chargeback case.
-   **Upload Templated by Yourself**: Upload your own template for your defense, fill in the relevant information, and submit the defense materials. After selecting your preferred option, click **Next** to proceed. Click **Template Download** to get the template file. After filling in the defense material, upload the file. Click **Submit** to complete the process.

| ![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/487852df-6532-43fb-912f-b3c3346f41ec.png) | ![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/5f71a881-847a-489a-8971-a89244b8ef6d.png) |
| --- | --- |

To ensure timely updates on the case progress, it is recommended that you log in to Antom Dashboard regularly to check the status of disputes and handle new disputes promptly. The dispute status will be updated promptly according to various situations, such as whether you have submitted materials, whether the case has expired, the case results, and more. Additionally, you can click **Download materials** to get the PDF file to check materials you have submitted at any time.

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/d2a4b04b-2732-43f5-b9c5-af42623e594f.png)

##### Antom Copilot chargeback defense

[Antom Copilot chargeback AI assistant](https://docs.antom.com/ac/dispute/defend_chargeback.md#tI9Sj) is primarily operated through Antom Dashboard, the specific process is as follows:

1.  When a dispute case involving goods or processing errors is ready for dispute, the![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2025/png/154856810/1766023935738-0395360c-d253-4c51-974d-885b2a14dedf.png)icon will appear on the **Dispute** page. Click the icon to start the Antom Copilot.

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/0e336855-5621-430d-b731-aa2c88b76e5e.png)

2.  Antom Copilot will analyze the case and automatically prepare the corresponding dispute materials. You can proceed by one of the following methods:

-   Click **Download the defense materials** to download the defense template and save a copy. Complete or supplement the information as needed.
-   Click **Supply Evidences** and the **Upload and generate dispute defense materials** pop-up window will appear. Upload additional supporting documents following the instructions. Once completed, click **Generate defense materials** to allow the Antom Copilot to assist in generating and finalizing the defense package.

| ![AC YING1.webp](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/webp/e214cb4b-35e6-4b2c-b3ff-5493dd28219b.webp) | ![AC YING2.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/13fed86f-3db4-438f-9d06-aa9580140561.png) |
| --- | --- |

3.  After reviewing and confirming that everything is in order, click **Submit defense materials** to complete the submission. You can click **Download the defense materials** again to download and save a copy for your records or for further action if needed.

![AC YING3.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/35a2c05b-1635-4716-9220-3b78a498b499.png)

## Set chargeback alerts

Antom Dashboard offers a **Chargeback alert settings** feature. You can configure the following settings:

-   [RDR settings](#v9jt1)
-   [CDRN settings](#DQKr8)
-   [Ethoca settings](#Eueod)

### RDR settings

Setting chargeback alerts can help initiate and set thresholds for Rapid Dispute Resolution (RDR). RDR automatically verifies and processes eligible refunds based on pre-configured merchant rules (such as refund thresholds) for chargeback cases, ultimately resolving them. Cases resolved by RDR are excluded from the card scheme monitoring program, helping to optimize operational costs and protect your brand reputation. For more information about the RDR, please refer to [Rapid dispute resolution](https://docs.antom.com/ac/dispute/rdr.md).

Take the following steps to configure RDR settings:

1.  On the **Dispute** page, click **Chargeback alert settings** in the top right to configure RDR rules.

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/8dea67dd-682d-4d70-808d-7a4ac5d404f0.png)

2.  On the **Chargebcak alert settings** page, click **RDR rules** > **Configure rules** to configure the rules and threshold ranges.

![rdr en.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/ee33e00f-43a9-455a-8f0e-696ac781498e.png)

3.  On the **Configure rules** page, rules can be customized by different currencies, chargeback amounts, and other attributes. Up to five rule sets are supported. Once configured, click **Submit rule update** to complete the setup. Then a pop-up window will appear for confirmation. Click **Confirm** to proceed.

| ![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/237af437-7267-4c82-b3f9-908d631e0a47.png) | ![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/02400620-1697-4029-8929-9f1951c6caf6.png) |
| --- | --- |

4.  After the configuration request is submitted, the system displays a prompt that the request is in progress. You can view the approval progress and adjustment history of the RDR rules on the **Chargeback alert settings** page.

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/f6e678dd-c085-4483-a5a1-60dce96dad8c.png)

5.  After the request is approved, the **Chargeback alert settings** logo on the dispute page turns green to indicate that the configuration is complete. Click **Chargeback alert settings** to enter the details page to view the adjusted RDR rules and adjustment history.

| ![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/06739d38-443f-4714-8efd-957df78c034c.png) | ![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/87876d49-8270-4e4b-8e78-c809f56bc0f6.png) |
| --- | --- |

### CDRN settings

Setting chargeback alerts can also help configure the function of Cardholder Dispute Resolution Network (CDRN). CDRN provides merchants with an efficient early dispute resolution mechanism to significantly reduce chargebacks and safeguard account security and stability, and help avoid compliance risks with card brands. For more details about the CDRN, please refer to [Cardholder dispute resolution network](https://docs.antom.com/ac/dispute/cdrn.md).

Take the following steps to configure CDRN settings:

1.  On the **Dispute** page, click **Chargeback alert settings** in the upper-right corner to configure CDRN rules.

![dispute 1.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/bf718d94-576e-472e-ba96-84776442a617.png)

2.  On the **Chargeback alert settings** page, click CDRN rules. You can view your **CDRN feature status** and click **Mode settings** to proceed with the configuration.

| ![dispute 2.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/8d52a834-e4e7-4249-8d11-fb20382a3e4d.png) | ![dispute 3.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/5852e0e2-26b3-46f7-82c7-4fd40f02330d.png) |
| --- | --- |

3.  After clicking **Mode settings** to enter the **Edit CDRN processing mode** page, you can choose either **Automatically** or **Manually** as needed. Click **Save edits** in the bottom-right corner to complete the setup.

![Dispute 4.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/053c9e86-478c-491c-92b6-cbecea56d8df.png)

### Ethoca settings

Ethoca provides you with an efficient pre-dispute resolution mechanism, delivering alert notifications before consumers formally submit chargebacks — empowering you to proactively intervene and resolve disputes. For more information about Ethoca, refer to [Ethoca Alerts](https://docs.antom.com/ac/dispute/ethoca.md).

Take the following steps to configure Ethoca settings:

1.  On the **Dispute** page, click **Chargeback alert settings** in the top right to configure Ethoca rules.![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/632e1c15-5518-4c1d-805e-748f2f171533.png)
2.  On the **Chargeback alert settings** page, for first-time users, click **Ethoca rules > Activate** to activate the Ethoca feature, and select whether to handle cases in **Automatically** or **Manually** refund mode.

> **Note**: Click **Mode settings** to configure the refund mode when needed.

3.  After submitting the configuration request, the system prompts that the request is in progress. You can view the approval progress and adjustment history of the Ethoca rules under **Ethoca feature modification records** on the **Chargeback alert settings** page. ![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/1d3e3d7e-6b43-40a7-b1e6-bd306967287d.png)

## Manage risk & dispute

### View data in Card and Non-card modes

On the **Risk & dispute management** page, you can use filters to view data in card and non-card modes. You can switch **Card** and **Non-card** mode according to your needs. This change will affect the entire page.

![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/144456721/1788515113653-43030e26-fce5-4654-aea5-3b42cac06513.png?x-oss-process=image%2Fresize%2Cw_1500)

#### Filter risk and dispute records

You can use filters such as **Transaction creation time**, **Merchant account ID**, **Product code**, and **Payment method types** to filter transactions. Click **More filters** to customize the options for the filter area.

Different modes support different customization options. Only the card mode supports **Issuer country/region** and **Card brand** filters. After filtering, click **Reset all** to clear previous filtering records.

![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/144456721/1788515139921-1b2da0c2-3c69-4e28-9aef-bc90e929b1d6.png?x-oss-process=image%2Fresize%2Cw_1500)

#### View data details

The data displayed in card and non-card modes are different. The details are as follows:

##### Summary

The **Card** mode includes **Disputes** and **Authorizations**. In **Non-card** mode, only **Authorizations** is displayed. Click the switch button in the upper right corner to switch to the **Amount** and **Count** sections to view the corresponding data as needed.

| ![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/144456721/1788515168660-f2ba31f1-f0b1-4c9d-9da2-cbc1b97c8e7a.png?x-oss-process=image%2Fresize%2Cw_1500) | ![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/144456721/1788515218837-400467e0-7285-490a-a65a-c9c30d23003f.png?x-oss-process=image%2Fresize%2Cw_1500) |
| --- | --- |

##### NOCs & NOFs overview

This part is displayed in **Card** mode only, including two-part charts of rate and count. The data indicators are **NOCs**, **NOFs**, **Fraud NOCs** and **Non-fraud NOCs**. You can do the following in this area:

-   Filter: Click the drop-down box in the upper right corner of the icon to change the data options displayed in the chart area. You can customize this area as needed.

![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/144456721/1788515278990-559857a4-f6f9-4856-b83d-ac63af993668.png?x-oss-process=image%2Fresize%2Cw_1500)

-   Data display: The chart area displays 4 parts of data indicators by default. Click the crosshair icon next to the color block to close other color blocks, click the crosshair icon again to cancel.

![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/207856479/1787733852312-e8e8adc9-1924-44cf-badd-f249977cff33.png?x-oss-process=image%2Fresize%2Cw_1500)

-   Positioning: Hover the cursor over the time of the chart to view the specific data of the day. When the cursor slides to a specific time, the charts for other times will be grayed out.

![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/207856479/1787733852525-0f385724-742a-4774-b35f-4a4dd88e964e.png?x-oss-process=image%2Fresize%2Cw_1500)

##### Blocked and refused transactions

This chart is displayed in both **Card** and **Non-card** modes, including the **Rate** and **Count** charts, with the data indicators **Refused by issuer** and **Blocked by risk**. You can do the following in this area:

-   Data display: The chart area displays 2 parts of data indicators by default. Click the crosshair icon next to the color block to close other color blocks, click the crosshair icon again to cancel.

![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/207856479/1787733852520-9bea5506-0afb-4b4d-a4e3-8e7f5d50f276.png?x-oss-process=image%2Fresize%2Cw_1500)

-   Positioning: Hover the cursor over the time of the chart to view the specific data of the day. When the cursor slides to a specific time, the charts for other times will be grayed out.

![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/207856479/1787733852139-06aced4a-9e2b-4e59-8778-3ec9f15caf65.png?x-oss-process=image%2Fresize%2Cw_1500)

##### Risk performance

This chart is displayed in both **Card** and **Non-card** modes. Click the switch button in the upper right corner to switch to the **Amount**, **Count** and **Ratio** sections to view the corresponding data as needed. You can do the following in this area:

-   Filter: This area supports two filtering functions:

-   Click the drop-down box at the top left of the list to choose to display data for different options, which are the same as those in the filter area at the top of the page.
-   In the data list, click the filter icon in the right column to apply this option as a global filter.

![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/207856479/1787733852680-da168756-3d4a-4976-b4e2-a2ddaa9861f7.png?x-oss-process=image%2Fresize%2Cw_1500)

-   Sorting: Click the sort icon on the list header to sort the list data in forward or reverse order.

![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/207856479/1787733852955-1f3f5512-f81d-4b3b-8c35-08f7b587a229.png?x-oss-process=image%2Fresize%2Cw_1500)

### Download data

On the **Risk & dispute management** page, you can download files under the current filter conditions.

Click the **Download** icon and choose to download one or two files as needed in the **Download dashboard** pop-up window. You can select the required condition type in the drop-down box, and the downloaded file will be the data under this filter condition.

> **Note**: If you only download the **Risk & dispute management** file, you will not be able to filter.

![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/144456721/1788515425432-f902a489-e882-4d91-b003-3a5a3f7b5a2d.png?x-oss-process=image%2Fresize%2Cw_1500)

After selecting the number of files and filtering conditions, click download file to complete.

![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/207856479/1787733853286-fdbbc88d-fdac-43ae-a041-ba203555e1f4.png?x-oss-process=image%2Fresize%2Cw_1500)

### Use common settings

On the **Risk & dispute management** page, you can do the following:

-   Set the currency: Click **Preferences** in the upper right corner of the page. In the **Preferences** pop-up window, you can set the currency type for this page. After the setting is completed, the currency will be applied to all amount areas under the **Data insight** module.

![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/144456721/1788515471914-13e29906-8dac-4854-9e65-e48973fab036.png?x-oss-process=image%2Fresize%2Cw_1500)

-   Share dashboard data: Click the **Share** icon at the top right of the page, and a link containing the current configuration conditions will appear in the **Share dashboard** pop-up window. Click **Copy link** to share your dashboard data.

![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/144456721/1788515537500-cd2ed083-7652-4c1c-9dc6-48cf55e3b316.png?x-oss-process=image%2Fresize%2Cw_1500)

-   View definitions: Click the **Learn more** icon in the upper right corner of the page to view the definitions of terms contained in the current page.

| ![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/144456721/1788515657378-966eb215-8d38-4c58-be3c-6f7d29d51c73.png?x-oss-process=image%2Fresize%2Cw_1500) | ![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/144456721/1788515581192-8aaee500-e923-4973-9f84-1a3c4cddb00a.png?x-oss-process=image%2Fresize%2Cw_1500) |
| --- | --- |

You can also click the tip icon on each card in the **Summary** area, or the tip icon at the header of the **Risk Performance** list to view the corresponding explanation.

| ![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/144456721/1788515720974-33a5fbed-30f9-4694-83a3-d245a3ef1bbe.png?x-oss-process=image%2Fresize%2Cw_1500) | ![image.png](https://intranetproxy.alipay.com/skylark/lark/0/2026/png/144456721/1788515754675-79a169f9-50a7-4f83-9ece-a6807eb42316.png?x-oss-process=image%2Fresize%2Cw_1500) |
| --- | --- |