Accept Dispute

Accept (concede) a dispute when you don't intend to contest it — for example when the charge was already refunded outside Truemed, or when contesting a low-value chargeback isn't worth the effort. Accepting concedes the disputed amount to the cardholder and closes the dispute with the processor. This is **terminal**: the dispute moves to the `accepted` state and cannot be reopened. Only disputes in `needs_response` (an open chargeback awaiting evidence) can be accepted. Inquiries are warnings rather than chargebacks, and disputes already in a terminal state are immutable — accepting either returns `400`. The call is idempotent: accepting a dispute that's already `accepted` returns its current state instead of erroring, so a retried request is safe.