Mastercard
This release includes the processing rules and end-to-end interface for Mastercard s new MasterCom interface. Validation rules ensure chargebacks meet Mastercard s disputes rules. Smart dispute for Issuers supports MCOM API’s (SDK version 6) for new MCOM processing. Maestro chargebacks are still processed on legacy Chargeback processing as Maestro association has not switched onto MCOM interface yet. This release also includes the latest MasterCom related change i.e., the MCOM Collaboration Layer.
List of reason codes supported by Pega Smart Dispute for Issuers in MCOM are as following:
Reason codes in Mastercard
| Reason Code | Description |
| 4837 | No Cardholder Authorization |
| 4849 | Questionable Merchant Activity |
| 4854 | Cardholder Dispute - Not Elsewhere Classified (U.S Region only) |
| 4863 | Cardholder Does Not Recognize - Potential Fraud (this reason code will be retired as a part of the 20.1 compliance release) |
| 4870 | Chip Liability Shift |
| 4871 | Chip/PIN Liability Shift - Lost/Stolen/Never Received Issue |
| 4808 | Authorization related Chargeback |
| 4834 | Point of Interaction Error |
| 4853 | Cardholder Dispute |
| 4850 | Installment Billing Dispute |
List of reason codes supported by Pega Smart Dispute for Issuers in Maestro are as following:
Reason codes in Maestro
| Reason Code | Description |
| 17 | Cash Dispute-ATM Only |
| 30 | Cardholder Disputed Amount (U.S. Shared Deposits Only) |
| 70 | Chip Liability Shift |
| 71 | Transaction Amount Differs |
| 73 | Duplicate Transaction |
| 74 | No Cardholder Authorization |
| 75 | Credit Not Received |
| 79 | Goods or Services Not Provided |
| 80 | Late Presentment |
| 95 | Invalid Adjustment: Account Closed |
| 96 | Invalid Adjustment: Insufficient Funds |
For more details on MCOM and Smart Dispute integration capabilities with Mastercard, refer Mastercard Claims Manager overview document on Pega community.
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