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On-Us acquirer routing

Updated on June 10, 2022

The On-Us business routing decision includes business rules driven for the Acquirer to process claims and disputes for Visa and Mastercard.

Pega Foundation for Healthcare

When a dispute is eligible for On-US Acquirer processing, and after submitting the details on the Reason code view, the case routes to On-Us Acquirer processing assignment to the Acquirer work queue.

On the On-Us Acquirer processing view, the Acquirer review the dispute amount and select any of the following actions to process further.

  • Accept
  • Reject

If the response is Accept, the case routes to the Process Acquirer liability screen where the Acquirer can select either of the following options to process further:

  • Write-off - The case is resolved as Resolved-Write-off by sending final credit correspondence to the customer and respective accounting so the amount is debited from the Write-off account and credited to the Acquirer clearing account.
  • Merchant liable - The case is resolved as Resolved-MerchantLiable by sending merchant resolution correspondence and respective accounting so that amount is debited from merchant account and credited to the Acquirer clearing account.

If Acquirer selects both Write-off and Merchant liable, the case is resolved as Resolved-SplitLiable by sending correspondence to the customer and respective accounting.

Process Acquirer liability
The acquirer review dispute amount and select the checkbox to accept and resolve the case.

If the response is Reject, the Acquirer needs to select appropriate reason from the Reason for rejection drop-down list and enter the necessary details as shown in the following figure:

Reason for rejection
When a case is rejected, the acquirer select the reason for rejection by selecting the option.

Once all the details are submitted, the case routes to the Process Acquirer response view.

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