---
title: "Ciclo de vida do chargeback"
url: "https://devcenter.stone.com.br/conciliacao-exemplo-ciclo-de-vida-do-chargeback"
image: "https://devcenter.stone.com.br/_og/d/c_Ocean.takumi,title_Ciclo+de+vida+do+chargeback,props_eyJ0aGVtZSI6eyJtb2RlIjoibGlnaHQiLCJjb2xvcnMiOnsicHJpbWFyeSI6IiMzMEE2NkQifX19,p_Ii9jb25jaWxpYWNhby1leGVtcGxvLWNpY2xvLWRlLXZpZGEtZG8tY2hhcmdlYmFjayI,s_HGQYr80WfvzjsDnQ.png"
---

# Ciclo de vida do chargeback

Chargeback

Quando uma transação sofre chargeback ela aparece tanto em `FinancialTransactions` no dia em que sofreu o chargeback, e em `FinancialTransactionAccounts` no dia em que foi descontada

### [Exemplos de ciclo de vida do Chargeback](#exemplos-de-ciclo-de-vida-do-chargeback)

### [`Captura (10/05) > Liquidação da Parcela (09/06) > Chargeback + Desconto do Chargeback (10/06)`](#captura-1005-liquidação-da-parcela-0906-chargeback-desconto-do-chargeback-1006)

Neste momento temos um Chargeback após a liquidação da parcela.

**Captura**

```xml
<FinancialTransactions>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>1</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>0</Chargebacks>
            <Payments>0</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <International>True</International>
        <AccountType>2</AccountType>
        <InstallmentType>1</InstallmentType>
        <NumberOfInstallments>1</NumberOfInstallments>
        <AuthorizedAmount>694.000000</AuthorizedAmount>
        <CapturedAmount>694.000000</CapturedAmount>
        <AuthorizationCurrencyCode>986</AuthorizationCurrencyCode>
        <IssuerAuthorizationCode>054973</IssuerAuthorizationCode>
        <BrandId>1</BrandId>
        <CardNumber>411111******1111</CardNumber>
        <Poi>
            <PoiType>4</PoiType>
        </Poi>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>694.000000</GrossAmount>
                <NetAmount>678.454400</NetAmount>
                <PrevisionPaymentDate>20160609</PrevisionPaymentDate>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactions>
```

**Liquidação Parcela 1**

```xml
<FinancialTransactionsAccounts>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>0</Chargebacks>
            <Payments>1</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>694.000000</GrossAmount>
                <NetAmount>678.454400</NetAmount>
                <PaymentDate>20160609</PaymentDate>
                <PaymentId>1234567</PaymentId>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactionsAccounts>
...
<Payments>
    <Payment>
        <Id>1234567</Id>
        <WalletTypeId>3</WalletTypeId>
        <TotalAmount>14185.81</TotalAmount>
        <TotalFinancialAccountsAmount>14185.81</TotalFinancialAccountsAmount>
        <LastNegativeAmount>0.00</LastNegativeAmount>
        <FavoredBankAccount>
            <BankCode>XX</BankCode>
            <BankBranch>XXXX</BankBranch>
            <BankAccountNumber>XXXXXXXXX</BankAccountNumber>
        </FavoredBankAccount>
    </Payment>
</Payments>
```

**Chargeback + Desconto do Chargeback**

```xml
<FinancialTransactions>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>1</Chargebacks>
            <Payments>0</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>694.000000</GrossAmount>
                <NetAmount>678.454400</NetAmount>
                <PrevisionPaymentDate>20160609</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>187384389</Id>
                        <Amount>678.454400</Amount>
                        <Date>20160610</Date>
                        <ChargeDate>20160610</ChargeDate>
                        <ReasonCode>83</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactions>
```

Chargeback após liquidação da parcela

Caso o chargeback ocorra após a liquidação da parcela, ele reaparecerá dentro de `Installment` e sua liquidação será imediata, sem a necessidade de aparecer novamente dentro de `FinancialTransactionsAccounts`, ou seja, neste caso ele não irá aparecer no FinancialTransactionsAccounts, o valor será descontado direto.

### [`Captura (10/05) > Chargeback (20/05) > Liquidação Parcela + Desconto do Chargeback (09/06)`](#captura-1005-chargeback-2005-liquidação-parcela-desconto-do-chargeback-0906)

Neste momento temos um Chargeback **antes** da liquidação da parcela.

**Captura**

```xml
<FinancialTransactions>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>1</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>0</Chargebacks>
            <Payments>0</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <International>True</International>
        <AccountType>2</AccountType>
        <InstallmentType>1</InstallmentType>
        <NumberOfInstallments>1</NumberOfInstallments>
        <AuthorizedAmount>694.000000</AuthorizedAmount>
        <CapturedAmount>694.000000</CapturedAmount>
        <AuthorizationCurrencyCode>986</AuthorizationCurrencyCode>
        <IssuerAuthorizationCode>054973</IssuerAuthorizationCode>
        <BrandId>1</BrandId>
        <CardNumber>411111******1111</CardNumber>
        <Poi>
            <PoiType>4</PoiType>
        </Poi>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>694.000000</GrossAmount>
                <NetAmount>678.454400</NetAmount>
                <PrevisionPaymentDate>20160609</PrevisionPaymentDate>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactions>
```

**Chargeback**

```xml
<FinancialTransactions>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>1</Chargebacks>
            <Payments>0</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>694.000000</GrossAmount>
                <NetAmount>678.454400</NetAmount>
                <PrevisionPaymentDate>20160609</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>149222320</Id>
                        <Amount>678.454400</Amount>
                        <Date>20160520</Date>
                        <ChargeDate>20160609</ChargeDate>
                        <ReasonCode>83</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactions>
```

**Liquidação Parcela + Desconto Chargeback**

```xml
<FinancialTransactionsAccounts>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>1</Chargebacks>
            <Payments>1</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>694.000000</GrossAmount>
                <NetAmount>678.454400</NetAmount>
                <PrevisionPaymentDate>20160609</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>149222320</Id>
                        <Amount>-678.454400</Amount>
                        <Date>20160520</Date>
                        <ChargeDate>20160609</ChargeDate>
                        <ReasonCode>83</ReasonCode>
                    </Chargeback>
                </Chargebacks>
                <PaymentId>71385326</PaymentId>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactionsAccounts>
```

Chargeback antes da liquidação da parcela

Caso o Chargeback ocorra antes da liquidação da parcela, o desconto virá no dia do pagamento da parcela, como no exemplo acima. Como o pagamento é igual ao desconto, os dois se anulam, ou seja, será apresentando o PaymentId da transação e junto com isso o chargeback.

### [`Captura (10/05) > Chargeback (20/05) > Liquidação Parcela + Desconto do Chargeback (09/06)`](#captura-1005-chargeback-2005-liquidação-parcela-desconto-do-chargeback-0906-1)

**Captura**

```xml
<FinancialTransactions>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>1</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>0</Chargebacks>
            <Payments>0</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <International>True</International>
        <AccountType>2</AccountType>
        <InstallmentType>1</InstallmentType>
        <NumberOfInstallments>3</NumberOfInstallments>
        <AuthorizedAmount>1099.000000</AuthorizedAmount>
        <CapturedAmount>694.000000</CapturedAmount>
        <AuthorizationCurrencyCode>986</AuthorizationCurrencyCode>
        <IssuerAuthorizationCode>054973</IssuerAuthorizationCode>
        <BrandId>1</BrandId>
        <CardNumber>411111******1111</CardNumber>
        <Poi>
            <PoiType>4</PoiType>
        </Poi>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>366.340000</GrossAmount>
                <NetAmount>357.657742</NetAmount>
                <PrevisionPaymentDate>20160609</PrevisionPaymentDate>
            </Installment>
            <Installment>
                <InstallmentNumber>2</InstallmentNumber>
                <GrossAmount>366.330000</GrossAmount>
                <NetAmount>357.647979</NetAmount>
                <PrevisionPaymentDate>20160709</PrevisionPaymentDate>
            </Installment>
            <Installment>
                <InstallmentNumber>3</InstallmentNumber>
                <GrossAmount>366.330000</GrossAmount>
                <NetAmount>357.647979</NetAmount>
                <PrevisionPaymentDate>20160809</PrevisionPaymentDate>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactions>
```

**Chargeback**

```xml
<FinancialTransactions>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>1</Chargebacks>
            <Payments>0</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>366.340000</GrossAmount>
                <NetAmount>357.657742</NetAmount>
                <PrevisionPaymentDate>20160609</PrevisionPaymentDate>
                <Chargeback>
                    <Id>149222320</Id>
                    <Amount>357.657742</Amount>
                    <Date>20160520</Date>
                    <ChargeDate>20160609</ChargeDate>
                    <ReasonCode>83</ReasonCode>
                </Chargeback>
            </Installment>
            <Installment>
                <InstallmentNumber>2</InstallmentNumber>
                <GrossAmount>366.330000</GrossAmount>
                <NetAmount>357.647979</NetAmount>
                <Chargeback>
                    <Id>149222321</Id>
                    <Amount>357.657742</Amount>
                    <Date>20160520</Date>
                    <ChargeDate>20160709</ChargeDate>
                    <ReasonCode>83</ReasonCode>
                </Chargeback>
            </Installment>
            <Installment>
                <InstallmentNumber>3</InstallmentNumber>
                <GrossAmount>366.330000</GrossAmount>
                <NetAmount>357.647979</NetAmount>
                <Chargeback>
                    <Id>149222322</Id>
                    <Amount>357.657742</Amount>
                    <Date>20160520</Date>
                    <ChargeDate>20160809</ChargeDate>
                    <ReasonCode>83</ReasonCode>
                </Chargeback>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactions>
```

**Liquidação Parcela + Desconto do Chargeback**

```xml
<FinancialTransactionsAccounts>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>1</Chargebacks>
            <Payments>1</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>366.340000</GrossAmount>
                <NetAmount>357.657742</NetAmount>
                <PaymentDate>20160609</PaymentDate>
                <Chargeback>
                    <Id>149222320</Id>
                    <Amount>357.657742</Amount>
                    <Date>20160520</Date>
                    <ChargeDate>20160609</ChargeDate>
                    <ReasonCode>83</ReasonCode>
                </Chargeback>
                <PaymentId>123123</PaymentId>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactionsAccounts>
```

### [`Captura (26/03) > Chargeback (25/06) > Liquidação do Chargeback (24/07)`](#captura-2603-chargeback-2506-liquidação-do-chargeback-2407)

**Chegada do Chargeback**

```xml
<FinancialTransactions>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>6</Chargebacks>
            <Payments>0</Payments>
        </Events>
        <AcquirerTransactionKey>26208938621004</AcquirerTransactionKey>
        <InitiatorTransactionKey>66a36d2a05211308</InitiatorTransactionKey>
        <AuthorizationDateTime>20180326054446000</AuthorizationDateTime>
        <CaptureLocalDateTime>20180326024447020</CaptureLocalDateTime>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>100.000000</GrossAmount>
                <NetAmount>96.776100</NetAmount>
                <PrevisionPaymentDate>20180425</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>7546450012</Id>
                        <Amount>100.000000</Amount>
                        <Date>20180625</Date>
                        <ChargeDate>20180625</ChargeDate>
                        <ReasonCode>4837</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
            <Installment>
                <InstallmentNumber>2</InstallmentNumber>
                <GrossAmount>100.000000</GrossAmount>
                <NetAmount>96.776100</NetAmount>
                <PrevisionPaymentDate>20180525</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>7546450013</Id>
                        <Amount>100.000000</Amount>
                        <Date>20180625</Date>
                        <ChargeDate>20180625</ChargeDate>
                        <ReasonCode>4837</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
            <Installment>
                <InstallmentNumber>3</InstallmentNumber>
                <GrossAmount>100.000000</GrossAmount>
                <NetAmount>96.776100</NetAmount>
                <PrevisionPaymentDate>20180625</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>7546450014</Id>
                        <Amount>100.000000</Amount>
                        <Date>20180625</Date>
                        <ChargeDate>20180625</ChargeDate>
                        <ReasonCode>4837</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
            <Installment>
                <InstallmentNumber>4</InstallmentNumber>
                <GrossAmount>100.000000</GrossAmount>
                <NetAmount>96.776100</NetAmount>
                <PrevisionPaymentDate>20180724</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>7546450015</Id>
                        <Amount>100.000000</Amount>
                        <Date>20180625</Date>
                        <ChargeDate>20180724</ChargeDate>
                        <ReasonCode>4837</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
            <Installment>
                <InstallmentNumber>5</InstallmentNumber>
                <GrossAmount>100.000000</GrossAmount>
                <NetAmount>96.776100</NetAmount>
                <PrevisionPaymentDate>20180823</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>7546450016</Id>
                        <Amount>100.000000</Amount>
                        <Date>20180625</Date>
                        <ChargeDate>20180823</ChargeDate>
                        <ReasonCode>4837</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
            <Installment>
                <InstallmentNumber>6</InstallmentNumber>
                <GrossAmount>100.000000</GrossAmount>
                <NetAmount>96.776100</NetAmount>
                <PrevisionPaymentDate>20180924</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>7546450017</Id>
                        <Amount>100.000000</Amount>
                        <Date>20180625</Date>
                        <ChargeDate>20180924</ChargeDate>
                        <ReasonCode>4837</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactions>
```

**Liquidação do chargeback**

```xml
<FinancialTransactionsAccounts>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>1</Chargebacks>
            <Payments>1</Payments>
        </Events>
        <AcquirerTransactionKey>26208938621004</AcquirerTransactionKey>
        <InitiatorTransactionKey>66a36d2a05211308</InitiatorTransactionKey>
        <AuthorizationDateTime>20180326054446000</AuthorizationDateTime>
        <CaptureLocalDateTime>20180326024447020</CaptureLocalDateTime>
        <Installments>
            <Installment>
                <InstallmentNumber>4</InstallmentNumber>
                <GrossAmount>100.000000</GrossAmount>
                <NetAmount>96.776100</NetAmount>
                <Chargebacks>
                    <Chargeback>
                        <Id>7546450015</Id>
                        <Amount>100.000000</Amount>
                        <Date>20180625</Date>
                        <ChargeDate>20180724</ChargeDate>
                        <ReasonCode>4837</ReasonCode>
                    </Chargeback>
                </Chargebacks>
                <PaymentId>123321</PaymentId>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactionsAccounts>
```

Desangendamento do Chargeback

Chargebacks de desagendamento tem exatamente o mesmo comportamento de chargebacks normais, a diferença é que eles aguardam até o momento de vencimento da parcela para serem descontados.

---

**Jornada: [Exemplos de ciclo de vida](https://devcenter.stone.com.br/conciliacao-exemplo-ciclo-de-vida-da-captura)**  
Etapa 5 de 13

[**Etapa anterior**Ciclo de vida do split](https://devcenter.stone.com.br/conciliacao-exemplo-ciclo-de-vida-do-split)[**Próxima etapa**Ciclo de vida do ChargebackRefund](https://devcenter.stone.com.br/conciliacao-exemplo-ciclo-de-vida-do-chargebackrefund)

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