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Document Requirements

Visa

The following documents are required by Visa for chargeback processing.

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MultiExcerptNameVisa
shouldDisplayInlineCommentsInIncludesfalse


Dispute Category

Claim Reason

Required Document

Additional Criteria

Fraud

Fraud Application

Statement of Fraud Application

Claim Reason = Fraud Application

Processing Error

Paid by Other Means

Proof of Payment

Required when the other form of payment is not a card issued by the same issuer as the transaction being disputed.

Consumer Dispute

Merchandise/Services Not Received

Statement of Dispute

3 or more Merchandise/Services Not Received disputes on same account, at same merchant, within a 30-day period

Consumer Dispute

Credit Not Processed

Copy of Credit Transaction Receipt or Voided Transaction Receipt

A Credit Transaction Receipt or Voided Transaction Receipt was issued.

Consumer Dispute

ATM Withdrawal

Statement of Dispute

3 or more ATM disputes on same account, at same ATM, within a 30-day period (does not apply to proprietary ATM transactions)


ACH

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MultiExcerptNameACH
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Written Statement of Unauthorized Debit

For unauthorized ACH disputes, a Written Statement of Unauthorized Debit (WSUD) is required for each disputed originator.  QFD will generate one WSUD for each originator, based on the originator/merchant information provided by the system of record.  

ACH Verbal Attestation

In lieu of requiring a Written Form of Unauthorized Debit, when a claimant is fully verified via a supported intake channel, a verbal attestation can be used to satisfy the document required.  This optional "Signer Disclosure" setting can be enabled via Client Settings.  When enable, the following attestation is displayed to internal users on the Summary screen:

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info

The option to enable the Verbal Attestation is only available when the Intake Source Channel question is enabled.  This setting will require the intake user to select from the following options to specify the source of the claim:

  • Inbound Call
  • Outbound Call
  • Mail
  • Chat
  • Online Banking
  • In-Person



Tip
titleOptional Document Requirement Configurations

To enable or disable all document requirements, see Document Requirements Pre-Conditions.

To establish if, and how long, provisional credit should be delayed while waiting for documents, see Pend PC for Documents.

To extend core document requirements by adding new conditions to enable/disable specific requirements, update DetermineRequiredDocsExtension.

To use softer "requested" verbiage instead of "required", set AreDocsRequired to false.

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