Smart Disputes Configuration Now Available

Stripe has added Smart Disputes settings to the v2 Accounts API, giving platforms programmatic control over dispute handling for connected accounts. The new smart_disputes hash is now available under the configuration.merchant field on the v2 Account object.

Key Changes

The smart_disputes configuration includes an auto_respond field with two properties:

• preference: A writable parameter that accepts on, off, or inherit values. Set to inherit to allow connected accounts to use your platform's default Smart Disputes configuration.
• value: A read-only property that displays the effective setting as either on or off, showing what auto-response behavior is actually active.

What Developers Need to Do

You can now configure these settings when creating or updating accounts through the v2 API. To adopt this feature:

1. Upgrade to API version 2026-02-25.preview (or the corresponding SDK version for your language)
2. Update webhook endpoint configurations to use the new API version
3. Test your integration thoroughly, including Connect-specific functionality
4. Roll out to production when ready (with 72-hour rollback available)

Impact

Previously, Smart Disputes settings were only configurable through the Stripe Dashboard. This API-level control enables platforms to programmatically manage dispute handling policies across their connected account networks while maintaining flexibility through the inherit option.