Final chargeback processing
Issuers can initiate and process a final chargeback after receiving Representment from the Acquirer.
Pega Foundation for Healthcare
- The Issuer selects any of the following options as a Representment action to
proceed further.
- Accept
- Initiate Final Chargeback
- Initiate Pre-Compliance
- Multi Prong
- When the user selects Initiate Final Chargeback and submits the screen, the system checks for final chargeback time frame expiry as the final chargeback can only be submitted or initiated within 45 days from the Representment date.
- If the time frame expires, the case is routed to the Time Frame
Expired Dispute screen where the user must select one of the
following options:
- Process liability
- Continue dispute
- If the user selects Process liability as an action for further processing, then user may select either Write off, Cardholder liable, or both by entering the appropriate amounts. The sum of the Write-off amount and the Cardholder liable amount must be equal to the dispute amount.
- If the user selects Continue dispute as an action for
further processing even after the time frame expiry, then the user has an option
to continue the dispute by selecting one of the following:
- Initiate Pre Compliance
- Initiate Good Faith
- In the Initiate Final Chargeback screen, the user can
review the Representment amount and Final chargeback amount and submit a final
chargeback by answering the questionnaire:
- Do you want to change the reason code?(Yes/No)
To change the reason code, the user can choose any one of the reason codes from the drop-down list. On selection, the corresponding questionnaire gets populated, which the user has to answer and specify the reason for changing the Chargeback reason code.- Final Chargeback reason
- Final Chargeback memo
- Do you want to attach a document to submit with this chargeback?
- Once the Initiate Final Chargeback screen is submitted, and if the final chargeback amount is less than the disputed amount, the case is routed to process liability, where the user must handle the liability actions for the difference amount by selecting either Write-off or Cardholder liable by entering the corresponding amount.
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