> ## Documentation Index
> Fetch the complete documentation index at: https://docs.cope.com/llms.txt
> Use this file to discover all available pages before exploring further.

# payment.chargeback.created

> A chargeback has been created.

# payment.chargeback.created

> Generated from COPE public event contracts. Do not edit this page by hand.

Use this event to pause fulfillment, review risk, or reconcile disputed funds.

## Delivery Contract

| Field           | Value                                                                                |
| --------------- | ------------------------------------------------------------------------------------ |
| Encoding        | CloudEvents 1.0 structured JSON                                                      |
| Delivery        | At least once                                                                        |
| Idempotency     | Use the CloudEvents `source` + `id` tuple, or COPE `idempotency_key` when available. |
| Source          | `cope.payment`                                                                       |
| Subject pattern | `chargeback:<identifier>`                                                            |
| Category        | Chargebacks                                                                          |
| Availability    | Available in the public webhook reference.                                           |
| Schema title    | payment.chargeback.created v1 payload                                                |
| Schema ID       | `https://schemas.cope.com/events/payment.chargeback.created/v1`                      |

## Payload Fields

| Field                     | Required | Type      | Allowed Values               | Description                                                                                                                                                                                                |                                                                                                                      |
| ------------------------- | -------- | --------- | ---------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------- |
| `additional_recipients`   | no       | `array`   | -                            | Optional. Additional recipient email addresses configured in the vendor's notification settings. Each recipient receives an individually addressed copy of the notification email. Capped at 5 recipients. |                                                                                                                      |
| `affiliate_code`          | no       | `string`  | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `affiliate_id`            | no       | `string`  | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `business`                | yes      | `object`  | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `buyer`                   | yes      | `object`  | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `commission_amount_cents` | no       | `integer` | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `commission_id`           | no       | `string`  | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `currency`                | no       | `string`  | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `event_type`              | yes      | `const`   | `payment.chargeback.created` | -                                                                                                                                                                                                          |                                                                                                                      |
| `first_click_ref`         | no       | \`string  | null\`                       | -                                                                                                                                                                                                          | -                                                                                                                    |
| `line_items`              | yes      | `array`   | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `occurred_at`             | yes      | `string`  | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `order`                   | yes      | `object`  | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `order_overview_url`      | no       | `string`  | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `original_observation_id` | no       | `string`  | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `payment`                 | no       | `object`  | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `payment_method`          | yes      | \`object  | null\`                       | -                                                                                                                                                                                                          | -                                                                                                                    |
| `phone_offer_id`          | no       | \`string  | null\`                       | -                                                                                                                                                                                                          | -                                                                                                                    |
| `promo`                   | yes      | \`object  | null\`                       | -                                                                                                                                                                                                          | -                                                                                                                    |
| `promo_code`              | no       | \`string  | null\`                       | -                                                                                                                                                                                                          | -                                                                                                                    |
| `rail`                    | no       | `string`  | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `reversal_observation_id` | no       | `string`  | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `schema_version`          | yes      | `const`   | `1.5`                        | -                                                                                                                                                                                                          |                                                                                                                      |
| `seller_vat_info`         | no       | \`object  | null\`                       | -                                                                                                                                                                                                          | Seller identity used for invoicing when the creator is the VAT-liable party. Null when COPE is the VAT-liable party. |
| `source_event_id`         | no       | `string`  | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `source_event_type`       | no       | `const`   | `payment.chargeback.created` | -                                                                                                                                                                                                          |                                                                                                                      |
| `totals`                  | yes      | `object`  | -                            | -                                                                                                                                                                                                          |                                                                                                                      |
| `vat_mode`                | no       | `string`  | `cope_vat`, `creator_vat`    | Which party is liable for VAT on the original sale being charged back: COPE (`cope_vat`) or the creator (`creator_vat`).                                                                                   |                                                                                                                      |
| `vat_responsibility`      | no       | `string`  | `cope`, `creator`            | Which party remits VAT to the tax authority.                                                                                                                                                               |                                                                                                                      |

## Example CloudEvent

```json theme={"theme":{"light":"github-light","dark":"github-dark"}}
{
  "data": {
    "business": {},
    "buyer": {},
    "event_type": "payment.chargeback.created",
    "line_items": [
      {
        "amounts": {
          "gross_cents": 1000,
          "net_cents": 1000,
          "tax_cents": 1000,
          "tax_percentage": 19
        },
        "is_trial": true,
        "payment_number": 1000,
        "product": {},
        "quantity": 1000
      }
    ],
    "occurred_at": "2026-05-05T12:00:00.000Z",
    "order": {
      "created_at": "2026-05-05T12:00:00.000Z",
      "currency": "EUR",
      "source": "example_source"
    },
    "payment_method": {},
    "promo": {},
    "schema_version": "1.5",
    "totals": {
      "product": {
        "gross_cents": 1000,
        "net_cents": 1000,
        "tax_cents": 1000
      },
      "total": {
        "gross_cents": 1000,
        "net_cents": 1000,
        "tax_cents": 1000
      }
    }
  },
  "datacontenttype": "application/json",
  "dataschema": "https://schemas.cope.com/events/payment.chargeback.created/v1",
  "id": "payment.chargeback.created:example",
  "idempotency_key": "payment.chargeback.created:example",
  "source": "cope.payment",
  "specversion": "1.0",
  "subject": "chargeback:example",
  "time": "2026-05-05T12:00:00.000Z",
  "type": "payment.chargeback.created"
}
```

## Compatibility

Fields may be added within the same major version. Removing or changing the meaning of a documented field requires a new event version.