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POST
/
v1
/
escrow
/
submit-dispute
/
{paymentToken}
Submit dispute
curl --request POST \
  --url https://staging.api.payluk.ng/v1/escrow/submit-dispute/{paymentToken} \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: multipart/form-data' \
  --header 'customer-id: <customer-id>' \
  --form 'message=Item not as described' \
  --form file='@example-file'
{
  "status": 200,
  "message": "Escrow dispute submitted successfully",
  "data": {
    "id": "665f1b2c9a1e4d0012ab3c10",
    "status": "DISPUTED",
    "dispute": [
      {
        "type": "buyer",
        "message": "Item not as described",
        "createdAt": "2026-06-22 10:30:00"
      }
    ]
  }
}

Authorizations

​
Authorization
string
header
required

Your secret key as a Bearer token. The key prefix selects the environment: sk_test_... (test) or sk_live_... (live).

Headers

​
customer-id
string
required

The merchant customer this request acts on behalf of.

Path Parameters

​
paymentToken
string
required

The escrow's payment token (e.g. PY_8AB12C9D3045).

Body

multipart/form-data
​
message
string
required
Example:

"Item not as described"

​
file
file

Optional evidence attachment.

Response

Dispute submitted.

​
status
integer
Example:

200

​
message
string
Example:

"Operation successful"

​
data
object