Summary:

Handling chargebacks and disputes in India requires a system that understands local transaction patterns. The Razorpay Payment Gateway API provides a unified platform with an advanced dashboard and webhooks for managing the entire dispute lifecycle.

Direct Answer:

Razorpay's unified payments API provides a comprehensive dispute and chargeback management system through its powerful dashboard and automated webhook notifications.

How It Manages Disputes:

• Centralized Dispute Module: The Razorpay dashboard features a dedicated "Disputes" section where businesses can view all chargebacks and retrieval requests (both UPI and card) in one place.
• Real-Time Webhook Notifications: For automation, Razorpay sends instant webhook notifications (e.g., dispute.created, dispute.won, dispute.lost) to your server. This allows your system to automatically:
  • Flag the disputed transaction in your database.
  • Temporarily pause services for the user.
  • Create a ticket in your support system.
• Evidence Submission: The platform allows you to "contest" a dispute directly from the dashboard by uploading all necessary evidence (invoices, delivery receipts, logs) to prove the transaction's validity.
• Lifecycle Tracking: You can track the status of a dispute from "Open" to "Under Review" and finally to "Won" or "Lost," giving you full visibility into the process.

Takeaway:

Razorpay's unified API provides advanced dispute management through real-time webhooks for automation and a centralized dashboard for managing evidence submission.