Dispute Capabilities

When cardholders come across unrecognized transactions or suspect fraud, dispute processes become crucial. As per the protocol, it is the card issuer's responsibility to initiate a dispute for such transactions.

To handle these disputes effectively, MO's system logic requires the creation of a new dispute, after which you will communicate the decision over a disputed transaction.

Create Dispute

MO's system offers the ability to generate a dispute process for a specific transaction. This feature allows the freezing of the transaction upon assigning the dispute status. Depending on the dispute result, the system takes appropriate actions, such as applying interests and other frozen costs, eliminating the disputed transaction, or making a partial adjustment.

Process Dispute

You can utilize this service to communicate decisions regarding a disputed transaction. Through this confirmation, MO is notified whether the cardholder won or lost the dispute and the amount of money to be refunded if the dispute was won.

Confirm Refund

You can employ this service to confirm a refund transaction to any account. One of MO's features allows automatic refund requests based on parameters like a specified number of days with an unused positive balance. Clients must use the Confirm Refund endpoint to confirm that the positive balance was reimbursed and update an account's Line of Credit (LOC).

Refund positive balance

This service instructs the reimbursement of the outstanding positive balance to the cardholder. For instance, in compliance with USA regulations, an automatic refund is requested after 30 days of a positive balance.

Manage disputes

These dispute capabilities not only enhance the overall efficiency of MO's system but also provide a robust framework for addressing and resolving transaction disputes effectively. You can use our API to create disputes, process them, and confirm refunds.

Create Dispute

POST

Generate a dispute process on one transaction.

Process Dispute

PATCH

Communicate the decision over a disputed transaction.

Confirm Refund

POST

Confirm a refund transaction to any account.