MASTERCARD (MDRI) MASTERCARD DISPUTE RESOLUTION INITIATIVE

MASTERCARD (DRI):  EFFECTIVE DATE 12TH APRIL 2019

MC (DRI) Is a dispute process that was put in place on 12th April 2019. The system is to enhance the capability to prevent invalid disputes from entering the MasterCard Network. Those disputes deemed valid by MC will allow for the Issuer to file a dispute on behalf of their cardholder.  A merchant may contest a chargeback via a 2nd presentment or accept the dispute. All cases that receive a response will be assessed a MC association system fee of $3.00 per case.  The fee will commence on any August 2019 case. 


VISA VCR (VISA CLAIMS RESOLUTION) ALLOCATION AND COLLABORATION PROCESS

VISA ALLOCATION:  FRAUD AND AUTHORZATION DATA DISPUTES

VISA VCR Allocation is a dispute process that was put in place on 15th April 2018. VISA reviews data and documentation submitted by an issuer for dispute. Based on the data, VISA can assign liability to the merchant or reject the issuer’s claim. If a merchant is assessed liability, the merchant may respond to the dispute via a pre-arbitration or accept the case. All disputes must be responded to regardless if the reply is an acceptance or a rebuttal with the intent to contest.  Any case that does not receive a response will have an $0.85 cent fee applied.

VISA COLLABORATION: CONSUMER AND PROCESSING ERROR DISPUTES

VISA VCR Collaboration is a dispute process that was put in place on 15th April 2018. This system is similar to the dispute process that was in place prior to VCR. The issuer files a dispute on behalf of their cardholder through VISA system to the Acquirer, and the dispute is passed onto the intended merchant.  A merchant may contest the dispute via a re-presentment or accept it. All disputes must be responded to regardless if the reply is an acceptance or a rebuttal with the intent to contest.  Any case that does not receive a response will have an $0.85 cent fee applied.