[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-653942-105":3,"detail-sidebar-cat-0-en-105":80,"doc-detail-653942-en":130},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":73,"head_meta":75,"extra_data":77,"updated_unix":79},105,"en","dispute-best-practices-guide","Dispute Best Practices Guide","","Dispute Best Practices Guide provides educational guidance for dispute and transaction processing. It covers authorization and transaction processing, retrievals and chargebacks, exception disputes, and reason code guidelines for credit and debit networks. The guide also explains how to respond using network reason code rules and supporting documentation, and includes clarifications on defaults when disputes are received without reason codes. Industry-specific merchant handling and response templates support staff in reducing chargebacks and liability.",{"@graph":14,"@context":72},[15,34,55],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/document/","Document",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/document/technology/","Technology",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/document/dispute-best-practices-guide/653942/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/dispute-best-practices-guide/653942.png","ImageObject",300,407,{"name":42,"@type":43},"OmBimo","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-29","2026-10-25",true,{"@type":52,"interactionType":53,"userInteractionCount":33},"InteractionCounter",{"@type":54},"ViewAction",{"@type":56,"mainEntity":57},"FAQPage",[58,64,68],{"name":59,"@type":60,"acceptedAnswer":61},"What is the purpose of the Dispute Best Practices Guide?","Question",{"text":62,"@type":63},"It explains aspects of transaction and dispute processing and provides guidance to help prevent financial chargebacks and liability.","Answer",{"name":65,"@type":60,"acceptedAnswer":66},"What responses can merchants receive for an authorization request?",{"text":67,"@type":63},"Merchants can receive Approved or Declined responses, based on whether the transaction is approved by the governing bank/company.",{"name":69,"@type":60,"acceptedAnswer":70},"How does the guide handle disputes received without a reason code?",{"text":71,"@type":63},"A retrieval without a reason code is assigned a default code of 1, and a chargeback without a reason code is assigned a default code of 53.","https://schema.org",{"og:url":32,"og:type":74,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":76,"canonical":32},"index,follow",{"doc_id":78,"site_id":7},653942,1793030456,{"code":4,"msg":81,"data":82},"success",[83,87,91,95,100,104,109,114,119,122,126],{"id":22,"doc_module":4,"doc_module_name":25,"category_name":84,"show_sort_weight":85,"slug":86},"Story & Novel",90,"story-novel",{"id":26,"doc_module":4,"doc_module_name":25,"category_name":88,"show_sort_weight":89,"slug":90},"Literature",80,"literature",{"id":33,"doc_module":4,"doc_module_name":25,"category_name":92,"show_sort_weight":93,"slug":94},"Exam",70,"exam",{"id":96,"doc_module":4,"doc_module_name":25,"category_name":97,"show_sort_weight":98,"slug":99},5,"Comic",60,"comic",{"id":101,"doc_module":4,"doc_module_name":25,"category_name":29,"show_sort_weight":102,"slug":103},6,50,"technology",{"id":105,"doc_module":4,"doc_module_name":25,"category_name":106,"show_sort_weight":107,"slug":108},7,"Healthcare",40,"healthcare",{"id":110,"doc_module":4,"doc_module_name":25,"category_name":111,"show_sort_weight":112,"slug":113},8,"Research & Report",30,"research-report",{"id":115,"doc_module":4,"doc_module_name":25,"category_name":116,"show_sort_weight":117,"slug":118},9,"Religion & Spirituality",20,"religion-spirituality",{"id":117,"doc_module":4,"doc_module_name":25,"category_name":120,"show_sort_weight":117,"slug":121},"World Cup","world-cup",{"id":123,"doc_module":4,"doc_module_name":25,"category_name":124,"show_sort_weight":123,"slug":125},10,"Lifestyle","lifestyle",{"id":127,"doc_module":4,"doc_module_name":25,"category_name":128,"show_sort_weight":96,"slug":129},19,"General","general",{"code":4,"msg":81,"data":131},{"doc_id":78,"user_id":132,"nickname":42,"user_avatar":133,"doc_module":4,"category_id":101,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":33,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":139,"language":140,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":12,"update_tm":144,"read_time":145},962090893581,"https://ap-avatar.wpscdn.com/davatar_276721f389ce27ea32af1340a28f341c","Technical Document  \nDispute Best Practices  \nA Merchant’s User Guide to Help Manage Disputes* December 2021  \n* For Global Disputes, excluding PaySecure Back-End Merchants.  \nFiserv Confidential  \nTable of Contents  \nDispute Best Practices  \nDispute Best Practices Guide Overview 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 3 Authorization Overview 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 4 Transaction Overview 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 5 Retrieval Overview 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 6 Chargeback Overview 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 9 Fraud – Card-Not-Present (CNP) 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 11 Compelling Evidence Overview 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 13 Fraud – Card-Present (CP) 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 14 No Valid Authorization 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 16 Credit Not Processed 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 18 Services/Merchandise Defective or Not As Described 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 20 Services Not Provided; Merchandise Not Received 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 22 No-Shows 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 25 Canceled Recurring Transaction 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 26 Duplicate Processing 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 28 Data Entry Error 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 30 Late Presentment 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 32 Paid by Other Means 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 33 Exception Overview 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 34 Exceptions Chart 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 35 Industry-Specific Merchants 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 36  \nAppendix 􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟􀁟 41  \nDispute Best Practices Guide Overview  \nThe Dispute Best Practices Guide explains the numerous aspects of transaction and dispute processing.  \nThis guide will provide you and your staff with educational guidance as it relates to dispute processing and suggest ways for you to help prevent financial chargebacks and liability.  \nThis guide includes:  \n􀀂 An overview of authorization and transaction processing  \n􀀂 An overview of retrievals and chargebacks  \n􀀂 Reason code guidelines for all credit and debit networks  \n􀀂 An overview of exception disputes  \n􀀂 An overview of industry-specific merchant  \n􀀂 Response Templates  \nThe following card networks are covered in the reason code guidelines:  \nCredit Networks  \nAmerican Express® Discover® Mastercard®  \nVisa®  \nDebit Networks  \nAccel  \nACS* EBTAFFN* ATH* CU24* eFunds* EBT Jeanie*  \nInterlink  \nMaestro NYCE PULSE SHAZAM STAR  \nSTAR* Signature Debit SMS Vital*  \nPayPal Debit Network  \n*These networks do not have specific reason codes assigned to dispute; however, any retrieval that is received without a reason code will be assigned a default code of 1. Any chargeback that is received without a reason code will be assigned a default code of 53.  \nThis guide is provided as a courtesy and is to be used for general information purposes only. This guide has been assembled from materials supplied by the ","cbCais6fnfWmpr7p","https://ap.wps.com/l/cbCais6fnfWmpr7p","pdf",3210152,96,"English","# Dispute Best Practices Guide Overview\n## Authorization Overview\n## Transaction Overview\n## Retrieval Overview\n## Chargeback Overview\n## Fraud – Card-Not-Present (CNP)\n## Compelling Evidence Overview\n## Fraud – Card-Present (CP)\n## Exception Overview\n## Exceptions Chart\n## Industry-Specific Merchants","[{\"question\":\"What is the purpose of the Dispute Best Practices Guide?\",\"answer\":\"It explains aspects of transaction and dispute processing and provides guidance to help prevent financial chargebacks and liability.\"},{\"question\":\"What responses can merchants receive for an authorization request?\",\"answer\":\"Merchants can receive Approved or Declined responses, based on whether the transaction is approved by the governing bank/company.\"},{\"question\":\"How does the guide handle disputes received without a reason code?\",\"answer\":\"A retrieval without a reason code is assigned a default code of 1, and a chargeback without a reason code is assigned a default code of 53.\"}]","Dispute Best Practices Guide | PDF",1792903704,242]