# POST /api/v1/credit/disputes/{dispute_id}/resolution

> Resolve a dispute

- **Tag:** credit
- **Operation ID:** `resolve_credit_dispute`

## Description

Records how the dispute ended and lifts the hold. `merchant_won` reverses the disputed principal off the loan with the fee and the pre-hold interest in proportion; `lender_won` and `released` resume accrual from `resolved_on`; `voided` reverses the whole loan as if the transaction never cleared. Money already paid towards a reversed amount becomes credit balance. Hold days are never charged.

## Authentication

Bearer token in `Authorization` header.
Required header: `x-business-id: <business uuid>`.

## Parameters

- `dispute_id` (path, string, required)

## Request body

Schema: `CreditDisputeResolutionRequest`

- `outcome` (string · required) (one of: merchant_won, lender_won, voided, released) — merchant_won: the disputed amount is reversed off the loan. lender_won: the charge stands and accrual resumes. voided: the whole loan is reversed as if the transaction never cleared. released: the hold is lifted without a decision.
- `resolved_on` (string · date · required) — The day accrual runs again; the hold covers the days before it. Not before the dispute's opened_on.
- `notes` (string)

## Responses

### 201 — Successful Response

Schema: `SuccessEnvelope_CreditDisputeResponse_`

- `success` (boolean)
- `message` (string)
- `code` (string)
- `data` (CreditDisputeResponse)

### 400 — Bad Request - Invalid input

Schema: `ErrorResponse`

- `error` (string · required) — Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`.
- `message` (string · required) — Human-readable explanation, safe to show to end users.
- `code` (string · required) — Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`).
- `request_id` (string) — Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied.
- `errors` (object) — Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

### 401 — Unauthorized - Missing or expired token, an MCP OAuth token used against the REST API, or no access to this business

Schema: `ErrorResponse`

- `error` (string · required) — Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`.
- `message` (string · required) — Human-readable explanation, safe to show to end users.
- `code` (string · required) — Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`).
- `request_id` (string) — Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied.
- `errors` (object) — Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

### 403 — Forbidden - Insufficient permissions

Schema: `ErrorResponse`

- `error` (string · required) — Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`.
- `message` (string · required) — Human-readable explanation, safe to show to end users.
- `code` (string · required) — Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`).
- `request_id` (string) — Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied.
- `errors` (object) — Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

### 404 — Not Found - Resource does not exist

Schema: `ErrorResponse`

- `error` (string · required) — Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`.
- `message` (string · required) — Human-readable explanation, safe to show to end users.
- `code` (string · required) — Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`).
- `request_id` (string) — Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied.
- `errors` (object) — Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

### 422 — Validation Error

Schema: `ErrorResponse`

- `error` (string · required) — Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`.
- `message` (string · required) — Human-readable explanation, safe to show to end users.
- `code` (string · required) — Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`).
- `request_id` (string) — Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied.
- `errors` (object) — Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

## Code samples

### cURL

```bash
curl -X POST 'https://api.ondayzero.com/api/v1/credit/disputes/{dispute_id}/resolution' \
  -H 'Authorization: Bearer dz_your_token' \
  -H 'x-business-id: YOUR_BUSINESS_ID' \
  -H 'Content-Type: application/json' \
  -d '{
  "outcome": "merchant_won",
  "resolved_on": "2026-01-01"
}'
```

### JavaScript

```javascript
const response = await fetch('https://api.ondayzero.com/api/v1/credit/disputes/{dispute_id}/resolution', {
  method: 'POST',
  headers: {
    Authorization: 'Bearer dz_your_token',
    'x-business-id': 'YOUR_BUSINESS_ID',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
  "outcome": "merchant_won",
  "resolved_on": "2026-01-01"
}),
});
const data = await response.json();
```

### Python

```python
import httpx

headers = {
    "Authorization": "Bearer dz_your_token",
    "x-business-id": "YOUR_BUSINESS_ID",
}

payload = {'outcome': 'merchant_won', 'resolved_on': '2026-01-01'}

response = httpx.post("https://api.ondayzero.com/api/v1/credit/disputes/{dispute_id}/resolution", headers=headers, json=payload)
data = response.json()
```

## See also

- HTML version: https://www.ondayzero.com/docs/reference/credit/resolve-credit-dispute
- OpenAPI slice: https://www.ondayzero.com/docs/reference/credit/resolve-credit-dispute/openapi.json
- Other endpoints in **credit**: https://www.ondayzero.com/docs/reference/credit (markdown bundle: https://www.ondayzero.com/docs/reference/credit.md, OpenAPI: https://www.ondayzero.com/docs/reference/credit/openapi.json)
- Endpoint catalog: https://www.ondayzero.com/docs/reference/index.md