The Problem
Chargebacks cost more than the transaction value
Schemes charge processing fees on every dispute cycle — pre-arbitration, arbitration, compliance filing, and good-faith collection — that most teams don't track. Worse, incorrectly represented chargebacks or missed representment windows result in automatic liability and write-offs.
FinPay brings clause-level knowledge of Visa Operating Regulations (VOR) and Mastercard Rules to your dispute function: we identify misclassified reason codes, recoverable chargebacks, and process gaps that are leaking revenue.
Reason Code Audit
Full review of incoming chargeback reason codes against the correct scheme definitions. Misclassified codes are a primary source of uncontested losses.
Representment Strategy
Case-by-case representment analysis — which disputes are winnable, what evidence is required under each reason code, and how to structure the response package.
Arbitration & Compliance Filing
Management of scheme arbitration cases, compliance filings, and good-faith collection cycles with full documentation.
Fee Recovery Analysis
Identify scheme fees charged in error — incorrect dispute category, wrong processing party, or fee threshold misapplication.
Process & SLA Design
Design or overhaul your internal dispute management SLAs to meet scheme representment windows (Visa: 30 days from retrieval; Mastercard: 45 days).
Staff Training
Practical dispute management training for operations teams — reason code definitions, evidence requirements, and representment best practice.