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).
Extension Points: Decision Automation
To configure provisional credit to be automatically granted or denied when a claim is submitted, see Initial Interaction Decision.
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.
Reassertion
When a resolved dispute is reopened, this flow is skipped. For more information, see Reopen
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.
Page lookup error: page "Pend PC for Documents" not found.
If you're experiencing issues please see our Troubleshooting Guide.
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.
Action Description AUTO The system automatically sets the decision to "Grant" and executes the Issue Provisional Credit flow. MANUAL Generates a Initial Investigation assignment that prompts a user to determine if credit should be granted. SKIP Skips to Post Provisional Credit. PEND Pends for a specified number of days. Must be set to a valid pend reason as defined in the .PendReason property.
If a user grants credit and approval is enabled, the Provisional Credit Decision Approval Flow flow is executed.
Page lookup error: page "Decision Approval" not found.
If you're experiencing issues please see our Troubleshooting Guide.
Extension Points
To configure provisional credit to be automatically granted or denied when a claim is submitted, see Initial Interaction Decision.
To configure how the provisional credit decision is made, see Provisional Credit Preconditions.
To configure require approvals for provisional credit decisions, see Provisional Credit Decision Approval.
To enable an override of any provisional credit automation during intake, see Provisional Credit Override.
To grant provisional credit when the pend for fraud review decision is "Accept", set D_ImplConfig.FraudReviewAcceptAppliesPC to true.
Extension Points
To configure provisional credit to be automatically granted or denied when a claim is submitted, see Initial Interaction Decision.
To configure how the provisional credit decision is made, see Provisional Credit Preconditions.
To configure require approvals for provisional credit decisions, see Provisional Credit Decision Approval.
To enable an override of any provisional credit automation during intake, see Provisional Credit Override.
To grant provisional credit when the pend for fraud review decision is "Accept", set D_ImplConfig.FraudReviewAcceptAppliesPC to true.