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Updated on June 12, 2022

Pega Smart Dispute for Issuers includes standard accounting entries within specific steps in the processing flows. Customers update the entries with their chart of accounts and can customize them for policies or processing requirements.

Pega Smart Dispute for Issuers

Provisional credit processing

The provisional credit decision tree evaluates a work object based on product type, such as Gold or VIP, value, and dispute history, to determine whether provisional credit should be given to the cardholder. You can modify this decision tree if your business rules change. Different provisional credit rules are available for product type (debit, credit, ATM, and so on) as well as for reversing provisional credit. Pega Smart Dispute for Issuers includes the timeframes and notification requirements specified by US Regulation E when reversing provisional credit on a deposit account.

Write-off processing

You can set write-off thresholds for automatic debit and credit write-offs.

Suspense accounting

Full suspense accounting with appropriate reports allow management of aging suspense entries, as well as accounting steps to automatically clear suspense entries during processing.

Chargeback accounting

The chargeback or dispute submission flows include accounting steps to automate the accounting entries and notifications during chargeback processing. The specific accounting step invoked will be different based on whether provisional credit had been granted or not, and which association’s clearing account is appropriate.

Calendars and cut-off rules

Pega Smart Dispute for Issuers can store and access multiple calendars so that non-business days are not counted with SLAs. Cut off times can be set to determine the point at which postings occur on the following day.

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