A dispute is a formal process that allows merchants to report and escalate issues related to transactions. These issues may include unauthorized payments, failed service delivery, incorrect charges, or inconsistencies in transaction status. Within the OneKhusa system, disputes provide a structured workflow for resolving such issues. When a dispute is created, it is reviewed by the OneKhusa team, who assess the claim, validate supporting evidence, and determine the appropriate resolution. Each dispute is tracked throughout its lifecycle to ensure transparency, accountability, and auditability.