Posted: 30 Nov 2016 11:30 EST Last activity: 30 Jan 2017 10:52 EST
Continuous Payment Authority Usecase in Smart in Dispute for Issuers
Hi We are working on Smart Dispute 7.2 implmentation as a vanilla project. Need to understand if it provideds anything out of the box usecases or rules for Continuous Payment Authority. Client is looking for something readymade available, else we will have to build it as custom app
Both Visa and MasterCard allow chargebacks on “recurring transactions” processed using a credit or debit card, which SD can process OOTB. There are conditions involved for a successful chargeback – in general, the cardholder must have withdrawn permission, and the merchant and/or Acquirer (merchant’s bank) must have received a notification of the cancellation, and one of the card associations recommends that the Card Issuer provide copies of that request.
At present, SD does NOT have a “stop payment” or “cancellation” process OOTB where a card is involved, as doing this does not necessarily mean the customer needs to file a dispute. If the customer has our Customer Service app, this could possibly start as a “service case” from which a dispute in SD could be launched. We are including the service messages for building out the communication to VROL for “stop payments”, but the workflow for that would have to be extended in the field.
For the US, there is a “block merchant” process for ACH, but, again, this does not translate for “card”.