Visa
The Visa rules include all international and regional rules (US, CEMEA, Europe, LAC, AP, and Canada) as well as Interlink, based on the recent Visa cutover to their Visa Claims Resolution (VCR) disputes process as of April 2022 (21.1 Compliance). The application includes configuration of all required VCR messages using SOAP or REST, inbound processing of Visa and Acquirer responses via batch queues, and accounting steps configured per Visa’s guidelines. Validation rules evaluate disputes per Visa’s rules and warn users of invalid disputes to minimize Visa charges. Customers can input their Visa - supplied credentials into the Pega connector rule, request Visa to set up test data, and begin testing with Visa’s test system very quickly.
Dispute categories
There are 4 dispute categories in VCR for dispute processing and each dispute category has sub-categories as below. All the dispute categories and sub-categories in VCR are supported in Pega Smart Dispute for Issuers application. Dispute categories are grouped by Visa into 2 major flows based on the liability allocation at the time of dispute submission.
Dispute Categories
| Flow | Dispute Category | Dispute Sub-category |
| Allocation Flow | 10. Fraud | 10.1 - EMV Liability Shift Counterfeit |
| 10.2 - EMV Liability Shift Non-Counterfeit | ||
| 10.3 - Card Present Environment | ||
| 10.4 - Card Absent Environment | ||
| 10.5 - Visa Fraud Monitoring Program | ||
| 11 - Authorization | 11.1 - Card Recovery Bulletin | |
| 11.2 - Declined Authorization | ||
| 11.3 - No Authorization | ||
| Collaboration Flow | 12 - Processing Errors | 12.1 - Late Presentment |
| 12.2 - Incorrect Transaction Code | ||
| 12.3 - Incorrect Currency | ||
| 12.4 - Incorrect Account Number | ||
| 12.5 - Incorrect Amount | ||
| 12.6.1 - Duplicate Processing | ||
| 12.6.2 - Paid by Other Means | ||
| 12.7 - Invalid Data | ||
| 13 - Consumer Disputes | 13.1 - Merchandise/Services Not Received | |
| 13.2 - Cancelled Recurring Transaction | ||
| 13.3 - Not as Described/Defective | ||
| 13.4 - Counterfeit Merchandise | ||
| 13.5 - Misrepresentation | ||
| 13.6 - Credit Not Processed | ||
| 13.7 - Cancelled Merchandise/Services | ||
| 13.8 - Original Credit Not Accepted | ||
| 13.9 - Non-Receipt of Cash/Load |
For more details on VCR and Smart Dispute integration capabilities with Visa, refer VCR Overview document on Pega community.
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