stripe-refund-dispute-lifecycle

Quick Reference

| Event | Action | Key rule | |--|--|--| | charge.refunded | Revoke credits proportional to refund delta | G2 — previous_attributes.amount_refunded | | charge.dispute.created | Set user past_due + store checkpoint | G1 + G9 | | charge.dispute.closed | won / warning_closed / prevented -> restore; lost -> no-op (charge.refunded handles); else -> no-op | G5 + G7 |

| Refund source priority | When to use | |--|--| | event.data.previous_attributes.amount_refunded (G2) | Primary — always prefer | | charge.refunds.data (sorted by created desc) | Fallback when previous_attributes absent | | stripe.refunds.list({charge, limit:1}) | Last resort when embedded missing | | charge.amount_refunded alone | NEVER (cumulative, not per-event) |

When to Use This Skill

Use when implementing any handler that revokes credits or mutates a paid-status column in response to Stripe refund or dispute events.

Related skills:

• For getRefundDelta (the G2 delta helper): stripe-billing-master:stripe-list-pagination-previous-attributes
• For the canonical refund helper and audit-row invariant: stripe-billing-master:stripe-credit-audit-trail
• For the G1 checkpoint pattern every dispute handler wraps: stripe-billing-master:stripe-webhook-idempotency

Core Rules

G2: refund delta

Use getRefundDelta() from stripe-billing-master:stripe-list-pagination-previous-attributes — that skill owns the delta-computation helper. Key guarantee: the helper returns null when no source is available, and the handler MUST skip revocation rather than guess.

G7: exhaustive shouldRestoreStatus

const shouldRestoreMap = {
  won: true,
  warning_closed: true,
  prevented: true,
  lost: false,
  needs_response: false,
  under_review: false,
  warning_needs_response: false,
  warning_under_review: false,
  charge_refunded: false,
} satisfies Record<Stripe.Dispute.Status, boolean>;

export const shouldRestoreStatus = (s: Stripe.Dispute.Status): boolean => shouldRestoreMap[s];

When Stripe adds a new status in a future SDK version, this object is a compile error until you add the key — forcing a conscious G5 allowlist decision.

Credit-pack vs subscription refund

async function resolveCreditsToRevoke(charge: Stripe.Charge, refundAmount: number) {
  const sessions = await stripe.checkout.sessions.list({
    payment_intent: charge.payment_intent as string,
    limit: 1,
    expand: ["data.line_items"],
  });
  const session = sessions.data[0];
  if (session?.mode !== "subscription") {
    const pack = CREDIT_PACKS.find(p => session?.line_items?.data?.[0]?.price?.id === p.priceId);
    if (pack && session.amount_total && session.amount_total > 0) {
      // Proportional revocation: if they refunded 50% of the pack, revoke 50% of the credits
      return Math.round(pack.credits * (refundAmount / session.amount_total));
    }
  }
  // Subscription: 1 credit = 1 cent at cash-equivalent
  return refundAmount;
}

Notes on the credit-pack math: proportional revocation matters because packs are bulk-priced (e.g., 1000 credits for $9 instead of $10) — a flat refundAmount -> credits conversion over-revokes. Always look up the originating Checkout Session to distinguish mode: "subscription" (cash-equivalent) from mode: "payment" with a known pack price ID (proportional).