Bank debit chargeback

Fires when the bank reverses a bank debit that had already been confirmed. The money had been charged and went back to your user’s account.

This event arrives about a charge you already treated as good. If you marked the debt as paid when the debit was confirmed, you have to reverse that state in your system here.


`type`	`AUTO_DEBIT_CHARGEBACK`
`status`	Not applicable: this event carries no `status`
Idempotency key	`operationId`

The payload

Field	Type	Present	Description
`type`	String	Always	Always `"AUTO_DEBIT_CHARGEBACK"`.
`operationId`	String	Always	Unique identifier of the reversed bank debit.
`originalStatus`	String	Always	State of the debit before the chargeback. Usually `"CONFIRMED"`.
`chargebackReason`	String \| null	Variable	Chargeback reason, as free text from the bank. `null` when the bank reports no reason.
`chargebackDate`	String	Always	Chargeback date, in ISO 8601.
`amount`	Number	Always	Reversed amount.
`bank`	String	Always	Bank name.
`accountLast4`	String \| null	Variable	Last 4 digits of the account or CLABE. `null` when the bank does not report it.
`companyCode`	String \| null	Always	Company code. The key is always there; the value can be `null`.
`companyName`	String \| null	Always	Company name. Same rule as `companyCode`.
`hash`	String \| null	Always	Verification hash. `null` if you have no public key configured.

chargebackReason is free text, exactly as the bank reported it. It is not validated against a catalog and it is not normalized, so its wording can vary. Do not use it as a key in your logic: display it or log it, but do not switch on its content.

originalStatus is free text from the producer too. The usual value is "CONFIRMED".

The card chargeback works differently on this point: there the reason is a closed catalog.

Examples

{
  "type": "AUTO_DEBIT_CHARGEBACK",
  "operationId": "d3b1f2a0-1234-4a5b-8c9d-0e1f2a3b4c5d",
  "originalStatus": "CONFIRMED",
  "chargebackReason": "Charge not recognized by the account holder",
  "chargebackDate": "2026-07-10T09:00:00Z",
  "amount": 150000,
  "bank": "Santander",
  "accountLast4": "4321",
  "companyCode": "MX-S-12345",
  "companyName": "ACME",
  "hash": "encrypted-base64-string"
}

{
  "type": "AUTO_DEBIT_CHARGEBACK",
  "operationId": "d3b1f2a0-1234-4a5b-8c9d-0e1f2a3b4c5d",
  "originalStatus": "CONFIRMED",
  "chargebackReason": null,
  "chargebackDate": "2026-07-10T09:00:00Z",
  "amount": 150000,
  "bank": "Santander",
  "accountLast4": null,
  "companyCode": "MX-S-12345",
  "companyName": "ACME",
  "hash": null
}

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Bank debit chargeback

The payload

Examples

Common fields, hash and idempotency

​The payload

​Examples

Common fields, hash and idempotency

The payload

Examples