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Table of Contents
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Overview

Visa is a trusted world leader in digital payment technology.  It facilitates the transfer of funds electronically via debit cards, credit cards and prepaid cards.  Consumers trust the Visa brand, in part, thanks to their Zero Liabilty Policy that guarantees you won't be held responsible for unauthorized charges.  Issuers choose visa to help make everyday transactions more convenent, reliable and secure.

In addition to Visa's Zero Liability Policy, they have a strict set of rules that issuers must follow.  These rules cover every aspect of payment processing, including claims.  Visa constantly revises their rules through a process referred to as "mandates".  These new rules are implemented twice per year, in April and October.  

QFD provides complete support for processing Visa claims, including direct connections to Visa's Real-Time Systems Interface (RTSI).  This interface allows QFD to automatically process most actions related to consumer claims.  Additionally, our team of experts keeps QFD up-to-date with all the latest rules mandated by Visa to ensure that our clients are compliant and efficient in their claim processing.

See the sections below for more details about how QFD streamlines and automates the Visa claim process.QFD includes dedicated support for most of the major card networks.  In order to provide a solution that allows all card transactions to be disputed, regardless of acquirer network, an "Alternate Network" concept was developed.  This approach allows flexibility in recovery methods and strategies for these lower volume disputes via a simplified workflow allows users to record recovery actions that are executed outside of QFD for tracking purposes and to keep the claim and claimant up-to-date.  

Configuration

QFD includes various options for customizing the behavior of the application.  Disputed transactions on alternate networks will fall under the same configuration settings as the overarching card association, where applicable.   Additionally, the following settings are available for Alternate Network disputes.

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For additional configuration settings that are not specific to Alternate Networks, see Configuration.

Supported Functions

Collect

Dispute Reasons & Supported Transactions

The following dispute reasons are applicable.

Multiexcerpt includeMultiExcerptNameVisaPageWithExcerptDispute ReasonshouldDisplayInlineCommentsInIncludesfalseAlternate Network disputes will follow the path of the card association and the same intake questionnaires and dispute reasons will apply.

See Dispute Reason or Dispute Transactions for more details about these steps.

Required Documentation

Alternate Network disputes will have the same documentation requirements as the card association.

For more information, see Document Requirements.

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For more information, see Merchant Credits.

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Initial Investigation

For more information, see Provisional CreditInvestigation.

Investigation

For more information, see Investigation Research.

Fees

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For more details, see Interest Calculation

Disposition

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The following recovery options are available for VisaAlternate Network.

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There are no Account Maintenance tasks that are specific to Visa Alternate Network.

For more details, see Account Maintenance.

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The following letters are all applicable to Visa Alternate Network disputes.

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The following deny reasons are applicable to Zelle Alternate Network disputes.  Some deny reasons can be disabled via Config.

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