# Dispute.opened

URL: /business/events/Dispute.opened · Id: `event:Dispute.opened`

> A card issuer opened a Dispute against a charge, and the rail holds the disputed amount.

A card issuer opened a [Dispute](/business/nouns/dispute) against a charge, and the rail holds the disputed amount.

| Property | Value |
| --- | --- |
| Raised by | No Verb: the rail raises it |
| Noun | [Dispute](/business/nouns/dispute) |
| Moves | [Customer](/business/nouns/customer) `activated` to `atRisk` when the disputed charge is this Customer’s |
| Wakes | [Answer a chargeback](/workflows/processes/billing/answer-chargeback) |

### Payload
Each delivery is an [Event](/business/nouns/event) record. `data` holds the Dispute as it stands.

| Field | Type | Required | Description |
| --- | --- | --- | --- |
| `name` | `string` | Yes | `Dispute.opened`. |
| `at` | `datetime` | Yes | When it happened. |
| `seq` | `integer` | No | Its position in the namespace, one more than the Event before; any seq is a cursor into the history. |
| `data` | `json` | Yes | The Thing as the Action left it. |
| `data.dispute` | [Dispute](/business/nouns/dispute) | Yes | The Dispute as the change left it. |
| `data.dispute.kind` | `string` | Yes | One of `chargeback`, `outcome`, or `marketplace`. |
| `data.dispute.status` | `string` | Yes | One of `open`, `answered`, `decided`, `appealed`, or `closed`. |
| `data.dispute.held` | `money` | Yes | The amount held from the seller until the Dispute closes. |
| `data.dispute.reason` | `text` | Yes | What the buyer says fell short, in their words. |
| `data.dispute.answerBy` | `datetime` | No | When the seller’s answer is due; a missed deadline decides for the buyer. |
| `data.dispute.decision` | `string` | No | One of `buyer`, `seller`, or `split`, with the amounts each side keeps. |
| `data.dispute.decidedBy` | `string` | Yes | `issuer` (the cardholder’s bank) for a `chargeback`; `worker`, uninvolved in the Order, for an `outcome` or `marketplace` Dispute. |
| `data.dispute.fee` | `money` | No | The card network’s fee on a `chargeback`, debited with the held amount when it opens. |
| `data.transaction` | [Transaction](/business/nouns/transaction) | Yes | The disputed charge. |

### Example
```json
{
  "$id": "https://api.sb/leaseline.app/events/evt_SjZqiLxHV9",
  "$type": "Event",
  "name": "Dispute.opened",
  "at": "2026-10-22T12:00:00Z",
  "data": {
    "dispute": {
      "$id": "https://api.sb/leaseline.app/disputes/dp_gywlshZJ7A",
      "$type": "Dispute",
      "kind": "chargeback",
      "status": "open",
      "held": {
        "amount": 29,
        "currency": "USD"
      },
      "reason": "Example reason",
      "answerBy": "2026-10-22T12:00:00Z",
      "decision": "buyer",
      "decidedBy": "issuer",
      "fee": {
        "amount": 29,
        "currency": "USD"
      }
    },
    "transaction": {
      "$id": "https://api.sb/leaseline.app/transactions/txn_XoxtZe3CQI",
      "$type": "Transaction",
      "kind": "charge",
      "amount": {
        "amount": 29,
        "currency": "USD"
      }
    }
  },
  "seq": 1722
}
```