Chargebacks & Disputes · Use case

Analyse dispute root causes

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Short answer

Most disputes come from a small set of causes: confusing descriptors, unclear subscriptions, delivery problems or fraud. Analytics that cluster disputes by reason, product, descriptor and issuer show which fixes remove the most disputes.

What this use case is

Most disputes come from a small set of causes: confusing descriptors, unclear subscriptions, delivery problems or fraud. Analytics that cluster disputes by reason, product, descriptor and issuer show which fixes remove the most disputes.

Who builds this

Merchants and marketplaces
Subscription businesses
PSPs serving merchants
Card issuers analysing their cardholders' disputes

What your customer sees

  1. 1Clearer descriptors, receipts and subscription communication

How Chargebacks & Disputes solves it

1

Dispute and transaction data consolidated

Dispute and transaction data consolidated

2

Grouped by reason code, product, descriptor, issuer

Grouped by reason code, product, descriptor, issuer

3

Trends and outliers identified

Trends and outliers identified

4

Fixes prioritised

Fixes prioritised

5

Impact tracked over time

Impact tracked over time

Want to have

  1. Data from all PSPs
  2. Reason-code mapping across schemes
  3. Segmentation
  4. Trend reporting
  5. Exports

Optional

  1. Recommendations

Design decisions

Tooling

Provider analytics
Your own BI on exported data

speed versus flexibility.

What to put in your RFP

Data sources

  • Data sources

Segmentation

  • Segmentation

Reporting

  • Reporting

Exports

  • Exports

Pricing

  • Pricing
Add these to an RFP

How to evaluate providers for this use case

  1. 1Data consolidation across PSPs
  2. 2Segmentation depth
  3. 3Usability

Pitfalls

  • Analysing one PSP's data only
  • Insights nobody owns acting on

What providers will ask you

  1. PSPs and data access
  2. Dispute volumes
  3. Owners for fixes

Other Finlane categories that cover parts of this

This use case is solved mainly with Chargebacks & Disputes. These categories cover specific parts of it and can be tendered alongside it.

Payment Processing & Acquiring

Descriptor and checkout changes

Fraud & AML Monitoring

Fraud-driven dispute causes

Frequently asked questions

Other Chargebacks & Disputes use cases

Automate representment

Assemble compelling evidence packages and file responses within scheme deadlines without manual work.

Prevent chargebacks with pre-dispute alerts

Resolve issues via Ethoca, Verifi or RDR before they become full chargebacks.

Scope analyse dispute root causes with Chargebacks & Disputes providers

Scope this use case