Chargeback stage

This stage enables you to report fraud, initiate chargeback, associate dispute transactions, and review merchant representment evidence, create and review pre-arbitration, and case filing. Visa transactions comprises of two workflows for pre-arbitration and arbitration: collaboration workflow and allocation workflow.

In the collaboration workflow, the issuer initiates pre-arbitration and arbitration for dispute categories, such as processing errors and consumer disputes. In the allocation workflow, the acquirer initiates pre-arbitration and arbitration when the dispute category is either Fraud or Authorization.

• Collaboration dispute workflow
  In the collaboration workflow, dispute agents work to resolve consumer disputes and processing errors. In this workflow, issuers can choose to initiate pre-arbitration and arbitration, and acquirers can respond to these events.
• Allocation dispute workflow
  In the allocation workflow, dispute agents work to resolve fraud and authorization disputes. Acquirers can choose to initiate pre-arbitration and arbitration, and issuers can respond. This is a part of the allocation dispute workflow for the Chargeback stage.