Overview

The Provisional Credit step is critical to most claims workflows.  This is the first step executed in the Analyze stage and provides a decision point to determine if temporary credit will be issued.  It is important to the account holder.  This step may be entirely automated, depending on your configuration.  See the Configuration section below for more details.  It is important to note that provisional credit is a claim-level decision that will impact all disputed transactions that have not already been resolvednote that provisional credit decision impacts all disputed transactions at this step or a prior step (the decision is applied when the disputes reach this step).

When the flow is executed, the Pend for Merchant Collaboration is executed to determine if this decision should be delayed while a collaboration response is awaited.  Once completed, or if disabled, the flow is resumed.

If the claim decision was set to "AutoPay", the Customer Final Processing flow is executed to process the final credit and resolution notification.

The system then checks to see if any required customer documentation is missing.

If any required documents are missing, the system will delay further processing until the document(s) are received or the configured pend duration expires.

When processing resumes, the Provisional Credit Preconditions are evaluated to determine which of the following actions is executed.

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