Improve the dispute created message

[wjrosa]

Fixes #1233

Changes proposed in this Pull Request:

Most times, when a dispute is open, no actions are needed. It is either already lost or won. The current note we add to the order implies that an action is always required. This PR fixes that by checking the dispute status and setting the note accordingly.

Testing instructions

Since this is a bit hard to test, code review should be enough. But if you want to try testing the flow:

• Checkout and build this branch on your test environment (fix/improve-dispute-created-message)
• Connect your Stripe account
• Configure webhooks
• As a shopper, add a product to your cart
• Go to the checkout page
• Use any regular card to complete the purchase
• Copy the sample dispute opened event body below

Sample event

{
  "object": {
    "id": "dp_1QXkGcGwEEw4tjx0ElVhWtCa",
    "object": "dispute",
    "amount": 1100,
    "balance_transaction": "txn_1QXkGdGwEEw4tjx0E923VfyN",
    "balance_transactions": [
      {
        "id": "txn_1QXkGdGwEEw4tjx0E923VfyN",
        "object": "balance_transaction",
        "amount": -1100,
        "available_on": 1735171200,
        "created": 1734616794,
        "currency": "usd",
        "description": "Chargeback withdrawal for ch_3QXkGbGwEEw4tjx01pt9gIJe",
        "exchange_rate": null,
        "fee": 1500,
        "fee_details": [
          {
            "amount": 1500,
            "application": null,
            "currency": "usd",
            "description": "Dispute fee",
            "type": "stripe_fee"
          }
        ],
        "net": -2600,
        "reporting_category": "dispute",
        "source": "dp_1QXkGcGwEEw4tjx0ElVhWtCa",
        "status": "pending",
        "type": "adjustment"
      }
    ],
    "charge": "ch_3QXkGbGwEEw4tjx01pt9gIJe",
    "created": 1734616794,
    "currency": "usd",
    "enhanced_eligibility_types": [
    ],
    "evidence": {
      "access_activity_log": null,
      "billing_address": "1600 Amphitheatre Parkway\n\nMountain View, CA, 94043, US",
      "cancellation_policy": null,
      "cancellation_policy_disclosure": null,
      "cancellation_rebuttal": null,
      "customer_communication": null,
      "customer_email_address": "[email protected]",
      "customer_name": "Card Holder Name",
      "customer_purchase_ip": null,
      "customer_signature": null,
      "duplicate_charge_documentation": null,
      "duplicate_charge_explanation": null,
      "duplicate_charge_id": null,
      "enhanced_evidence": {
      },
      "product_description": null,
      "receipt": null,
      "refund_policy": null,
      "refund_policy_disclosure": null,
      "refund_refusal_explanation": null,
      "service_date": null,
      "service_documentation": null,
      "shipping_address": "1600 Amphitheatre Parkway\n\nMountain View, CA, 94043, US",
      "shipping_carrier": null,
      "shipping_date": null,
      "shipping_documentation": null,
      "shipping_tracking_number": null,
      "uncategorized_file": null,
      "uncategorized_text": null
    },
    "evidence_details": {
      "due_by": 1735430399,
      "enhanced_eligibility": {
      },
      "has_evidence": false,
      "past_due": false,
      "submission_count": 0
    },
    "is_charge_refundable": false,
    "livemode": false,
    "metadata": {
    },
    "payment_intent": "pi_3QXkGbGwEEw4tjx01PkubTsY",
    "payment_method_details": {
      "card": {
        "brand": "visa",
        "case_type": "chargeback",
        "network_reason_code": "83"
      },
      "type": "card"
    },
    "reason": "fraudulent",
    "status": "lost"
  }
}

(change `object.charge` property to match your charge ID. You can grab it on your Stripe dashboard or the order edit page) - Request the webhook endpoint on your store using the event body (`/?wc-api=wc_stripe`) using Postman or something similar

• Confirm the order gets updated with the correct note:
  "A dispute was created for this order. It was closed as lost or accepted."

---

• Covered with tests (or have a good reason not to test in description ☝️)
• Added changelog entry in both changelog.txt and readme.txt (or does not apply)
• Tested on mobile (or does not apply)

Post merge

• Added testing instructions to the Release Testing Instructions wiki page (or does not apply)
• Added the needs docs label (or does not apply)
• Included this PR in the Release Thread scope (or does not apply)

[Mayisha]

Thanks @wjrosa. I have added a little suggestion. Otherwise looks good to me 👍