Dispute paused by issuer for seller-directed resolution
Dispute flows through decision engine for automatic resolution


Avoid the high costs associated with disputes and chargebacks

Reduce the manual costs associated with handling disputes and refunds

Automated decision-making and refunds, reducing operational procedures

Lower the chargeback rate, and do not count against Visa's dispute ratio

Achieved through layered defense
Eliminate:
By providing real-time detailed merchant order and purchase history information to cardholders and issuing institutions, preventing friendly fraud ;
Alert:
By providing merchants with warnings of fraud and disputes, combating fraud and chargebacks.

Take action to prevent the fulfillment of fraudulent orders

Eliminate chargebacks and reduce related costs

Enhance fraud screening to identify future fraudulent activities and prevent peaks

Use link analysis to eliminate associated fraudulent orders

Issuing more refunds can improve acceptance and enhance customer experience

Customers no longer need to go through the long and frustrating chargeback process