The Provisional Credit step 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 note 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).
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QFD provides several options for automating Provisional Credit based on various risk factors and documentation requirements. When risk factors are present, or the amount of the claim exceeds configurable thresholds, the decision is left to a user. Additionally, QFD will ensure that provisional credit is issued in accordance with applicable regulatory requirements, if not already issued prior to the required date.
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Extension: Decision Automation
To configure provisional credit to be automatically granted or denied when a claim is submitted,
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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.
When a resolved dispute is reopened, this flow is skipped. For more information, see Reassertion
If the claim decision was set to "AutoPay", the Customer Final Processingflow is executed to process the final credit and resolution notification.
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Pend PC for DocumentsCustomer Response
If any required documents are missing, the system will delay further processing until the document(s) are received or the configured pend duration expires.
By default, the system is configured to issue provisional credit to the customer in the Investigationstep. To configure the system to issue provisional credit after a chargeback has been filed for card disputes, update IssueProvisionalCreditAfterChargeback to evaluate to TRUE.
On non-reg-protected claims, the Investigation step can be skipped and the dispute will route directly to the Disposition step. If the dispute does not have recovery rights, the Final Investigation assignment will generate. If recovery rights exist, then QFD will initiate recovery.
If enabled and the Provisional Credit is denied, QFD will auto-issue temporary credit to align with Regulation E requirements.
