Abstract: A method for resolving disputes arising from failed and incomplete payment transactions conducted over a mobile communication infrastructure, comprising generating, by a central processing server, a key and a dispute code using the key and a payment transaction status; receiving, by a payer user device, the dispute code; receiving, by a payee user device, the key; updating, by the central processing server, the dispute code with updated payment transaction status when the payment transaction is completed; receiving, by the payer user device, the updated dispute code; entering into the payee user device the updated dispute code received by the payer user device; generating, by the payee user device, a verifying dispute code using the key and one of the one or more preset status codes; and verifying, by the payee user device, the updated dispute code by comparing the updated dispute code to the verifying dispute code generated.