When a Fraud or Authorization dispute is initiated in Visa Dispute, the dispute enters the Visa Allocation flow.  This flow was implemented as part of the Visa Claims Resolution (VCR) initiative in April 2018 to reduce the number of steps involved. 

Click on each of the sub-processes below for more details.

Recovery Options

Visa Allocation includes the following Fraud and Authorization recovery options.  Recovery options may be automatically selected and executed by the system, when enabled.  In some cases, primarily fraud and authorization disputes, recovery options are set based on a number of validations to determine if chargeback rights exists.  Any applicable validation rules are documented in each recovery option. 

Authorization

Card Recovery Bulletin or Exception File 11.1

Declined Authorization 11.2

No Authorization/Late Presentment 11.3