Lovie Company Formation

List Card Disputes

card_get_list_card_disputes

Read-only

Lists card disputes. Set filter.card_id to see the disputes filed on one card, or filter.company_id to see every dispute across a company (the caller's access is verified server-side). Returns each dispute's id, card, disputed transaction, amount, status (filed, pending review, accepted, won, lost, rejected, or withdrawn), reason, and when it was filed and resolved. Use page_size and page_token to page through long lists.

Input Schema

TableJSON Schema

Name	Required	Description	Default
`filter`	No
`pageSize`	No
`pageToken`	No

Output Schema

TableJSON Schema

Name	Required	Description	Default
`disputes`	No
`totalCount`	No
`nextPageToken`	No

Schema Changelog

Changes observed during successful MCP inspections.

Changed4 schema fields changedSep 29, 2026

addedInput schema / properties / filter / properties / transactionId

Added value: +{
+  "description": "UUID value wrapper.",
+  "properties": {
+    "value": {
+      "format": "uuid",
+      "type": "string"
+    }
+  },
+  "type": "object"
+}

addedOutput schema / properties / disputes / items / properties / events

Added value: +{
+  "items": {
+    "properties": {
+      "category": {
+        "enum": [
+          "CARD_DISPUTE_EVENT_CATEGORY_UNSPECIFIED",
+          "CARD_DISPUTE_EVENT_CATEGORY_CHARGEBACK_SUBMITTED",
+          "CARD_DISPUTE_EVENT_CATEGORY_CHARGEBACK_ACCEPTED",
+          "CARD_DISPUTE_EVENT_CATEGORY_CHARGEBACK_TIMED_OUT",
+          "CARD_DISPUTE_EVENT_CATEGORY_REPRESENTED",
+          "CARD_DISPUTE_EVENT_CATEGORY_REPRESENTMENT_TIMED_OUT",
+          "CARD_DISPUTE_EVENT_CATEGORY_MERCHANT_PREARBITRATION_RECEIVED",
+          "CARD_DISPUTE_EVENT_CATEGORY_MERCHANT_PREARBITRATION_DECLINE_SUBMITTED",
+          "CARD_DISPUTE_EVENT_CATEGORY_MERCHANT_PREARBITRATION_TIMED_OUT",
+          "CARD_DISPUTE_EVENT_CATEGORY_USER_PREARBITRATION_SUBMITTED",
+          "CARD_DISPUTE_EVENT_CATEGORY_USER_PREARBITRATION_ACCEPTED",
+          "CARD_DISPUTE_EVENT_CATEGORY_USER_PREARBITRATION_DECLINED",
+          "CARD_DISPUTE_EVENT_CATEGORY_USER_PREARBITRATION_TIMED_OUT",
+          "CARD_DISPUTE_EVENT_CATEGORY_USER_WITHDRAWAL_SUBMITTED"
+        ],
+        "type": "string"
+      },
+      "detail": {
+        "anyOf": [
+          {
+            "description": "Free-form description (max 5000 chars).",
+            "properties": {
+              "value": {
+                "maxLength": 5000,
+                "type": "string"
+              }
+            },
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "occurredAt": {
+        "anyOf": [
+          {
+            "format": "date-time",
+            "type": "string"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      }
+    },
+    "type": "object"
+  },
+  "type": "array"
+}

changedOutput schema / properties / disputes / items / properties / reason / enum

Previous value: -[
-  "CARD_DISPUTE_REASON_UNSPECIFIED",
-  "CARD_DISPUTE_REASON_FRAUD",
-  "CARD_DISPUTE_REASON_DUPLICATE",
-  "CARD_DISPUTE_REASON_PRODUCT_NOT_RECEIVED",
-  "CARD_DISPUTE_REASON_PRODUCT_UNACCEPTABLE",
-  "CARD_DISPUTE_REASON_INCORRECT_AMOUNT",
-  "CARD_DISPUTE_REASON_SUBSCRIPTION_CANCELED",
-  "CARD_DISPUTE_REASON_OTHER"
-]New value: +[
+  "CARD_DISPUTE_REASON_UNSPECIFIED",
+  "CARD_DISPUTE_REASON_FRAUD",
+  "CARD_DISPUTE_REASON_DUPLICATE",
+  "CARD_DISPUTE_REASON_PRODUCT_NOT_RECEIVED",
+  "CARD_DISPUTE_REASON_PRODUCT_UNACCEPTABLE",
+  "CARD_DISPUTE_REASON_INCORRECT_AMOUNT",
+  "CARD_DISPUTE_REASON_SUBSCRIPTION_CANCELED",
+  "CARD_DISPUTE_REASON_OTHER",
+  "CARD_DISPUTE_REASON_SERVICES_NOT_RECEIVED",
+  "CARD_DISPUTE_REASON_SERVICES_UNACCEPTABLE",
+  "CARD_DISPUTE_REASON_COUNTERFEIT_MERCHANDISE"
+]

addedOutput schema / properties / disputes / items / properties / visa

Added value: +{
+  "anyOf": [
+    {
+      "properties": {
+        "authorization": {
+          "anyOf": [
+            {
+              "properties": {
+                "accountStatus": {
+                  "enum": [
+                    "VISA_AUTHORIZATION_ACCOUNT_STATUS_UNSPECIFIED",
+                    "VISA_AUTHORIZATION_ACCOUNT_STATUS_ACCOUNT_CLOSED",
+                    "VISA_AUTHORIZATION_ACCOUNT_STATUS_CREDIT_PROBLEM",
+                    "VISA_AUTHORIZATION_ACCOUNT_STATUS_FRAUD"
+                  ],
+                  "type": "string"
+                }
+              },
+              "type": "object"
+            },
+            {
+              "type": "null"
+            }
+          ]
+        },
+        "canceledRecurringTransaction": {
+          "anyOf": [
+            {
+              "properties": {
+                "canceledAt": {
+                  "type": "string"
+                },
+                "cancellationTarget": {
+                  "enum": [
+                    "VISA_CANCELLATION_TARGET_UNSPECIFIED",
+                    "VISA_CANCELLATION_TARGET_ACCOUNT",
+                    "VISA_CANCELLATION_TARGET_TRANSACTION"
+                  ],
+                  "type": "string"
+                },
+                "merchantContactApplication": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "merchantContactEmail": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "merchantContactPhone": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                }
+              },
+              "type": "object"
+            },
+            {
+              "type": "null"
+            }
+          ]
+        },
+        "canceledServices": {
+          "anyOf": [
+            {
+              "properties": {
+                "cardholderCancellation": {
+                  "anyOf": [
+                    {
+                      "properties": {
+                        "acceptedByMerchant": {
+                          "enum": [
+                            "VISA_MERCHANT_CANCELLATION_ACCEPTANCE_UNSPECIFIED",
+                            "VISA_MERCHANT_CANCELLATION_ACCEPTANCE_ACCEPTED",
+                            "VISA_MERCHANT_CANCELLATION_ACCEPTANCE_NOT_ACCEPTED"
+                          ],
+                          "type": "string"
+                        },
+                        "canceledAt": {
+                          "type": "string"
+                        },
+                        "cancellationPolicyProvided": {
+                          "enum": [
+                            "VISA_CANCELLATION_POLICY_PROVIDED_UNSPECIFIED",
+                            "VISA_CANCELLATION_POLICY_PROVIDED_PROVIDED",
+                            "VISA_CANCELLATION_POLICY_PROVIDED_NOT_PROVIDED"
+                          ],
+                          "type": "string"
+                        },
+                        "reason": {
+                          "anyOf": [
+                            {
+                              "description": "Free-form description (max 5000 chars).",
+                              "properties": {
+                                "value": {
+                                  "maxLength": 5000,
+                                  "type": "string"
+                                }
+                              },
+                              "type": "object"
+                            },
+                            {
+                              "type": "null"
+                            }
+                          ]
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "contractedAt": {
+                  "type": "string"
+                },
+                "guaranteedReservationExplanation": {
+                  "enum": [
+                    "VISA_GUARANTEED_RESERVATION_EXPLANATION_UNSPECIFIED",
+                    "VISA_GUARANTEED_RESERVATION_EXPLANATION_CARDHOLDER_CANCELED_PRIOR_TO_SERVICE",
+                    "VISA_GUARANTEED_RESERVATION_EXPLANATION_CARDHOLDER_CANCELLATION_ATTEMPT_WITHIN_24_HOURS_OF_CONFIRMATION",
+                    "VISA_GUARANTEED_RESERVATION_EXPLANATION_MERCHANT_BILLED_NO_SHOW"
+                  ],
+                  "type": "string"
+                },
+                "merchantResolution": {
+                  "enum": [
+                    "VISA_MERCHANT_RESOLUTION_UNSPECIFIED",
+                    "VISA_MERCHANT_RESOLUTION_ATTEMPTED",
+                    "VISA_MERCHANT_RESOLUTION_PROHIBITED_BY_LOCAL_LAW"
+                  ],
+                  "type": "string"
+                },
+                "purchaseExplanation": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "serviceType": {
+                  "enum": [
+                    "VISA_SERVICE_TYPE_UNSPECIFIED",
+                    "VISA_SERVICE_TYPE_GUARANTEED_RESERVATION",
+                    "VISA_SERVICE_TYPE_OTHER",
+                    "VISA_SERVICE_TYPE_TIMESHARE"
+                  ],
+                  "type": "string"
+                }
+              },
+              "required": [
+                "cardholderCancellation",
+                "purchaseExplanation"
+              ],
+              "type": "object"
+            },
+            {
+              "type": "null"
+            }
+          ]
+        },
+        "counterfeitMerchandise": {
+          "anyOf": [
+            {
+              "properties": {
+                "counterfeitExplanation": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "dispositionExplanation": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "orderExplanation": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "receivedAt": {
+                  "type": "string"
+                }
+              },
+              "required": [
+                "counterfeitExplanation",
+                "dispositionExplanation",
+                "orderExplanation"
+              ],
+              "type": "object"
+            },
+            {
+              "type": "null"
+            }
+          ]
+        },
+        "creditNotProcessed": {
+          "anyOf": [
+            {
+              "properties": {
+                "canceledOrReturnedAt": {
+                  "type": "string"
+                },
+                "creditExpectedAt": {
+                  "type": "string"
+                }
+              },
+              "type": "object"
+            },
+            {
+              "type": "null"
+            }
+          ]
+        },
+        "fraud": {
+          "anyOf": [
+            {
+              "properties": {
+                "fraudType": {
+                  "enum": [
+                    "VISA_FRAUD_TYPE_UNSPECIFIED",
+                    "VISA_FRAUD_TYPE_ACCOUNT_OR_CREDENTIALS_TAKEOVER",
+                    "VISA_FRAUD_TYPE_CARD_NOT_RECEIVED_AS_ISSUED",
+                    "VISA_FRAUD_TYPE_FRAUDULENT_APPLICATION",
+                    "VISA_FRAUD_TYPE_FRAUDULENT_USE_OF_ACCOUNT_NUMBER",
+                    "VISA_FRAUD_TYPE_INCORRECT_PROCESSING",
+                    "VISA_FRAUD_TYPE_ISSUER_REPORTED_COUNTERFEIT",
+                    "VISA_FRAUD_TYPE_LOST",
+                    "VISA_FRAUD_TYPE_MANIPULATION_OF_ACCOUNT_HOLDER",
+                    "VISA_FRAUD_TYPE_MERCHANT_MISREPRESENTATION",
+                    "VISA_FRAUD_TYPE_MISCELLANEOUS",
+                    "VISA_FRAUD_TYPE_STOLEN"
+                  ],
+                  "type": "string"
+                }
+              },
+              "type": "object"
+            },
+            {
+              "type": "null"
+            }
+          ]
+        },
+        "merchandiseClaim": {
+          "anyOf": [
+            {
+              "properties": {
+                "claim": {
+                  "enum": [
+                    "VISA_MERCHANDISE_CLAIM_UNSPECIFIED",
+                    "VISA_MERCHANDISE_CLAIM_CANCELED",
+                    "VISA_MERCHANDISE_CLAIM_DAMAGED_OR_DEFECTIVE",
+                    "VISA_MERCHANDISE_CLAIM_MISREPRESENTATION",
+                    "VISA_MERCHANDISE_CLAIM_QUALITY"
+                  ],
+                  "type": "string"
+                },
+                "expectedAt": {
+                  "type": "string"
+                },
+                "issueExplanation": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "merchandiseDisposition": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "merchantResolution": {
+                  "enum": [
+                    "VISA_MERCHANT_RESOLUTION_UNSPECIFIED",
+                    "VISA_MERCHANT_RESOLUTION_ATTEMPTED",
+                    "VISA_MERCHANT_RESOLUTION_PROHIBITED_BY_LOCAL_LAW"
+                  ],
+                  "type": "string"
+                },
+                "purchaseExplanation": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "receivedAt": {
+                  "type": "string"
+                },
+                "returnAttemptExplanation": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "returnAttemptReason": {
+                  "enum": [
+                    "VISA_RETURN_ATTEMPT_REASON_UNSPECIFIED",
+                    "VISA_RETURN_ATTEMPT_REASON_MERCHANT_NOT_RESPONDING",
+                    "VISA_RETURN_ATTEMPT_REASON_NO_RETURN_AUTHORIZATION_PROVIDED",
+                    "VISA_RETURN_ATTEMPT_REASON_NO_RETURN_INSTRUCTIONS",
+                    "VISA_RETURN_ATTEMPT_REASON_REQUESTED_NOT_TO_RETURN",
+                    "VISA_RETURN_ATTEMPT_REASON_RETURN_NOT_ACCEPTED"
+                  ],
+                  "type": "string"
+                },
+                "returnMethod": {
+                  "enum": [
+                    "VISA_RETURN_METHOD_UNSPECIFIED",
+                    "VISA_RETURN_METHOD_DHL",
+                    "VISA_RETURN_METHOD_FACE_TO_FACE",
+                    "VISA_RETURN_METHOD_FEDEX",
+                    "VISA_RETURN_METHOD_OTHER",
+                    "VISA_RETURN_METHOD_POSTAL_SERVICE",
+                    "VISA_RETURN_METHOD_UPS"
+                  ],
+                  "type": "string"
+                },
+                "returnOutcome": {
+                  "enum": [
+                    "VISA_RETURN_OUTCOME_UNSPECIFIED",
+                    "VISA_RETURN_OUTCOME_RETURN_ATTEMPTED",
+                    "VISA_RETURN_OUTCOME_RETURNED",
+                    "VISA_RETURN_OUTCOME_NOT_RETURNED"
+                  ],
+                  "type": "string"
+                },
+                "returnedAt": {
+                  "type": "string"
+                }
+              },
+              "type": "object"
+            },
+            {
+              "type": "null"
+            }
+          ]
+        },
+        "merchandiseNotAsDescribed": {
+          "anyOf": [
+            {
+              "properties": {
+                "merchandiseDisposition": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "merchantResolution": {
+                  "enum": [
+                    "VISA_MERCHANT_RESOLUTION_UNSPECIFIED",
+                    "VISA_MERCHANT_RESOLUTION_ATTEMPTED",
+                    "VISA_MERCHANT_RESOLUTION_PROHIBITED_BY_LOCAL_LAW"
+                  ],
+                  "type": "string"
+                },
+                "receivedAt": {
+                  "type": "string"
+                },
+                "returnAttemptExplanation": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "returnAttemptReason": {
+                  "enum": [
+                    "VISA_RETURN_ATTEMPT_REASON_UNSPECIFIED",
+                    "VISA_RETURN_ATTEMPT_REASON_MERCHANT_NOT_RESPONDING",
+                    "VISA_RETURN_ATTEMPT_REASON_NO_RETURN_AUTHORIZATION_PROVIDED",
+                    "VISA_RETURN_ATTEMPT_REASON_NO_RETURN_INSTRUCTIONS",
+                    "VISA_RETURN_ATTEMPT_REASON_REQUESTED_NOT_TO_RETURN",
+                    "VISA_RETURN_ATTEMPT_REASON_RETURN_NOT_ACCEPTED"
+                  ],
+                  "type": "string"
+                },
+                "returnMethod": {
+                  "enum": [
+                    "VISA_RETURN_METHOD_UNSPECIFIED",
+                    "VISA_RETURN_METHOD_DHL",
+                    "VISA_RETURN_METHOD_FACE_TO_FACE",
+                    "VISA_RETURN_METHOD_FEDEX",
+                    "VISA_RETURN_METHOD_OTHER",
+                    "VISA_RETURN_METHOD_POSTAL_SERVICE",
+                    "VISA_RETURN_METHOD_UPS"
+                  ],
+                  "type": "string"
+                },
+                "returnOutcome": {
+                  "enum": [
+                    "VISA_RETURN_OUTCOME_UNSPECIFIED",
+                    "VISA_RETURN_OUTCOME_RETURN_ATTEMPTED",
+                    "VISA_RETURN_OUTCOME_RETURNED",
+                    "VISA_RETURN_OUTCOME_NOT_RETURNED"
+                  ],
+                  "type": "string"
+                },
+                "returnedAt": {
+                  "type": "string"
+                }
+              },
+              "type": "object"
+            },
+            {
+              "type": "null"
+            }
+          ]
+        },
+        "merchandiseNotReceived": {
+          "anyOf": [
+            {
+              "properties": {
+                "agreedLocation": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "canceledAt": {
+                  "type": "string"
+                },
+                "cancellationOutcome": {
+                  "enum": [
+                    "VISA_CANCELLATION_OUTCOME_UNSPECIFIED",
+                    "VISA_CANCELLATION_OUTCOME_CARDHOLDER_CANCELLATION_PRIOR_TO_EXPECTED_RECEIPT",
+                    "VISA_CANCELLATION_OUTCOME_MERCHANT_CANCELLATION",
+                    "VISA_CANCELLATION_OUTCOME_NO_CANCELLATION"
+                  ],
+                  "type": "string"
+                },
+                "delayExplanation": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "deliveryIssue": {
+                  "enum": [
+                    "VISA_DELIVERY_ISSUE_UNSPECIFIED",
+                    "VISA_DELIVERY_ISSUE_DELAYED",
+                    "VISA_DELIVERY_ISSUE_DELIVERED_TO_WRONG_LOCATION"
+                  ],
+                  "type": "string"
+                },
+                "lastExpectedReceiptAt": {
+                  "type": "string"
+                },
+                "merchantResolution": {
+                  "enum": [
+                    "VISA_MERCHANT_RESOLUTION_UNSPECIFIED",
+                    "VISA_MERCHANT_RESOLUTION_ATTEMPTED",
+                    "VISA_MERCHANT_RESOLUTION_PROHIBITED_BY_LOCAL_LAW"
+                  ],
+                  "type": "string"
+                },
+                "purchaseInfoAndExplanation": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                }
+              },
+              "required": [
+                "purchaseInfoAndExplanation"
+              ],
+              "type": "object"
+            },
+            {
+              "type": "null"
+            }
+          ]
+        },
+        "nonReceiptOfCash": {
+          "anyOf": [
+            {
+              "properties": {},
+              "type": "object"
+            },
+            {
+              "type": "null"
+            }
+          ]
+        },
+        "octNotAccepted": {
+          "anyOf": [
+            {
+              "properties": {
+                "explanation": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "reason": {
+                  "enum": [
+                    "VISA_OCT_NOT_ACCEPTED_REASON_UNSPECIFIED",
+                    "VISA_OCT_NOT_ACCEPTED_REASON_PROHIBITED_BY_LOCAL_LAWS_OR_REGULATION"
+                  ],
+                  "type": "string"
+                }
+              },
+              "required": [
+                "explanation"
+              ],
+              "type": "object"
+            },
+            {
+              "type": "null"
+            }
+          ]
+        },
+        "processingError": {
+          "anyOf": [
+            {
+              "properties": {
+                "errorReason": {
+                  "enum": [
+                    "VISA_PROCESSING_ERROR_REASON_UNSPECIFIED",
+                    "VISA_PROCESSING_ERROR_REASON_DUPLICATE_TRANSACTION",
+                    "VISA_PROCESSING_ERROR_REASON_INCORRECT_AMOUNT",
+                    "VISA_PROCESSING_ERROR_REASON_PAID_BY_OTHER_MEANS"
+                  ],
+                  "type": "string"
+                },
+                "expectedAmountCents": {
+                  "type": "string"
+                },
+                "merchantResolution": {
+                  "enum": [
+                    "VISA_MERCHANT_RESOLUTION_UNSPECIFIED",
+                    "VISA_MERCHANT_RESOLUTION_ATTEMPTED",
+                    "VISA_MERCHANT_RESOLUTION_PROHIBITED_BY_LOCAL_LAW"
+                  ],
+                  "type": "string"
+                },
+                "otherFormOfPaymentEvidence": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "otherTransactionId": {
+                  "type": "string"
+                }
+              },
+              "type": "object"
+            },
+            {
+              "type": "null"
+            }
+          ]
+        },
+        "servicesClaim": {
+          "anyOf": [
+            {
+              "properties": {
+                "cardholderCancellation": {
+                  "anyOf": [
+                    {
+                      "properties": {
+                        "acceptedByMerchant": {
+                          "enum": [
+                            "VISA_MERCHANT_CANCELLATION_ACCEPTANCE_UNSPECIFIED",
+                            "VISA_MERCHANT_CANCELLATION_ACCEPTANCE_ACCEPTED",
+                            "VISA_MERCHANT_CANCELLATION_ACCEPTANCE_NOT_ACCEPTED"
+                          ],
+                          "type": "string"
+                        },
+                        "canceledAt": {
+                          "type": "string"
+                        },
+                        "cancellationPolicyProvided": {
+                          "enum": [
+                            "VISA_CANCELLATION_POLICY_PROVIDED_UNSPECIFIED",
+                            "VISA_CANCELLATION_POLICY_PROVIDED_PROVIDED",
+                            "VISA_CANCELLATION_POLICY_PROVIDED_NOT_PROVIDED"
+                          ],
+                          "type": "string"
+                        },
+                        "reason": {
+                          "anyOf": [
+                            {
+                              "description": "Free-form description (max 5000 chars).",
+                              "properties": {
+                                "value": {
+                                  "maxLength": 5000,
+                                  "type": "string"
+                                }
+                              },
+                              "type": "object"
+                            },
+                            {
+                              "type": "null"
+                            }
+                          ]
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "cardholderPaidToHaveWorkRedone": {
+                  "enum": [
+                    "VISA_YES_NO_UNSPECIFIED",
+                    "VISA_YES_NO_YES",
+                    "VISA_YES_NO_NO"
+                  ],
+                  "type": "string"
+                },
+                "claim": {
+                  "enum": [
+                    "VISA_SERVICES_CLAIM_UNSPECIFIED",
+                    "VISA_SERVICES_CLAIM_NOT_AS_DESCRIBED",
+                    "VISA_SERVICES_CLAIM_MISREPRESENTATION",
+                    "VISA_SERVICES_CLAIM_QUALITY"
+                  ],
+                  "type": "string"
+                },
+                "issueExplanation": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "merchantResolution": {
+                  "enum": [
+                    "VISA_MERCHANT_RESOLUTION_UNSPECIFIED",
+                    "VISA_MERCHANT_RESOLUTION_ATTEMPTED",
+                    "VISA_MERCHANT_RESOLUTION_PROHIBITED_BY_LOCAL_LAW"
+                  ],
+                  "type": "string"
+                },
+                "nonFiatOrNftRelated": {
+                  "enum": [
+                    "VISA_YES_NO_UNSPECIFIED",
+                    "VISA_YES_NO_YES",
+                    "VISA_YES_NO_NO"
+                  ],
+                  "type": "string"
+                },
+                "ongoingNegotiations": {
+                  "anyOf": [
+                    {
+                      "properties": {
+                        "explanation": {
+                          "anyOf": [
+                            {
+                              "description": "Free-form description (max 5000 chars).",
+                              "properties": {
+                                "value": {
+                                  "maxLength": 5000,
+                                  "type": "string"
+                                }
+                              },
+                              "type": "object"
+                            },
+                            {
+                              "type": "null"
+                            }
+                          ]
+                        },
+                        "issuerFirstNotifiedAt": {
+                          "type": "string"
+                        },
+                        "startedAt": {
+                          "type": "string"
+                        }
+                      },
+                      "required": [
+                        "explanation"
+                      ],
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "purchaseExplanation": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "receivedAt": {
+                  "type": "string"
+                },
+                "restaurantFoodRelated": {
+                  "enum": [
+                    "VISA_YES_NO_UNSPECIFIED",
+                    "VISA_YES_NO_YES",
+                    "VISA_YES_NO_NO"
+                  ],
+                  "type": "string"
+                }
+              },
+              "required": [
+                "cardholderCancellation"
+              ],
+              "type": "object"
+            },
+            {
+              "type": "null"
+            }
+          ]
+        },
+        "servicesNotReceived": {
+          "anyOf": [
+            {
+              "properties": {
+                "canceledAt": {
+                  "type": "string"
+                },
+                "cancellationOutcome": {
+                  "enum": [
+                    "VISA_CANCELLATION_OUTCOME_UNSPECIFIED",
+                    "VISA_CANCELLATION_OUTCOME_CARDHOLDER_CANCELLATION_PRIOR_TO_EXPECTED_RECEIPT",
+                    "VISA_CANCELLATION_OUTCOME_MERCHANT_CANCELLATION",
+                    "VISA_CANCELLATION_OUTCOME_NO_CANCELLATION"
+                  ],
+                  "type": "string"
+                },
+                "cancellationReason": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                },
+                "lastExpectedReceiptAt": {
+                  "type": "string"
+                },
+                "merchantResolution": {
+                  "enum": [
+                    "VISA_MERCHANT_RESOLUTION_UNSPECIFIED",
+                    "VISA_MERCHANT_RESOLUTION_ATTEMPTED",
+                    "VISA_MERCHANT_RESOLUTION_PROHIBITED_BY_LOCAL_LAW"
+                  ],
+                  "type": "string"
+                },
+                "purchaseInfoAndExplanation": {
+                  "anyOf": [
+                    {
+                      "description": "Free-form description (max 5000 chars).",
+                      "properties": {
+                        "value": {
+                          "maxLength": 5000,
+                          "type": "string"
+                        }
+                      },
+                      "type": "object"
+                    },
+                    {
+                      "type": "null"
+                    }
+                  ]
+                }
+              },
+              "required": [
+                "purchaseInfoAndExplanation"
+              ],
+              "type": "object"
+            },
+            {
+              "type": "null"
+            }
+          ]
+        }
+      },
+      "type": "object"
+    },
+    {
+      "type": "null"
+    }
+  ]
+}

AddedSep 10, 2026

TDQS

A4.4/5.0

Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare readOnlyHint=true, destructiveHint=false, openWorldHint=false, so the safety profile is covered. The description adds real value beyond that: server-side access verification on the company filter, the enumeration of possible statuses, and the paging mechanism.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Three front-loaded sentences: purpose, filter semantics, return shape, then paging. Each sentence earns its place, though the return-field enumeration is somewhat long given an output schema exists.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a read-only paginated list tool with annotations covering safety and an output schema present, the description supplies everything an agent needs: what it lists, how to scope results, and how to page.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 0%, so the description must carry parameter meaning, and it does for filter.card_id, filter.company_id, page_size, and page_token. It omits filter.transactionId, which exists in the schema, so it doesn't fully compensate for the coverage gap.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

States a specific verb+resource ('Lists card disputes') and distinguishes itself from the singular sibling card_get_dispute by describing list semantics and pagination. An agent can immediately tell this is the collection-listing tool.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Gives explicit filter-selection guidance: filter.card_id for one card's disputes, filter.company_id for company-wide disputes, and notes access is verified server-side. No exclusionary 'use X instead' statement, but the filter-choice context is clear and actionable.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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