What it is (plain English)
Managing the lifecycle of card disputes and chargebacks: a customer contests a transaction, and the process guides intake, investigation, network rules (Visa/Mastercard), provisional credits, and resolution — with the audit trail and timelines the card networks require.
Problems it solves
- Disputes tracked manually against strict, error-prone network deadlines.
- Inconsistent handling and poor audit trails for chargebacks.
- Slow resolution frustrating customers and risking compliance penalties.
What must exist first
FSO Servicing — card operations build on the FSO servicing foundation and data model.
What the customer needs to provide
- Your dispute types and the card networks involved.
- Current dispute process, timelines, and regulatory obligations.
- Integration to card/transaction systems.
- Provisional credit and investigation rules.
Where it can go next
Extends FSO servicing; connects to fraud and core banking systems; feeds compliance/audit reporting.