El tema de los detalles relevantes de la transacción, como los recibos y el viaje realizado. Prepare una respuesta sobre la base de la evidencia y preséntela de inmediato al procesador de pagos, generalmente dentro de los 7 a 14 días asegúrarnos de que las descripciones de los productos y las políticas de reembolso sean claras, y utiliza herramientas de prevención del fraude. La acción oportuna y la documentación exhaustiva son cruciales para resolver disputas.

Dealing international disputes have become challenging due to increasing transaction volumes, competition and enhanced consumer awareness. Handling of international disputes are surrounded with industry rules, regulations, and practices all times. Hence, it is very much important for teams to focus on doing the right thing at right time. So to do the right thing at right times, teams should be equipped with required knowledge, skills and abilities (KSA) in dispute handling. The better KSA will always lead to find the most appropriate and suitable information from customers (in both acquirer and issuer perspective) to provide the faster and best resolution to disputes. The effective & efficient dispute management will always be rewarding

Para lidar com uma disputa de estorno internacional, comece reunindo todos os documentos e registros da transação. Verifique as regras e regulamentações do país envolvido. Comunique-se com o cliente de forma clara e profissional, explicando o processo e os prazos. Trabalhe em estreita colaboração com a instituição financeira e outros intermediários para resolver o problema rapidamente. Mantenha o cliente atualizado sobre o progresso e esteja preparado para oferecer uma solução justa. A transparência e a prontidão são essenciais para resolver a disputa.

To manage an international chargeback dispute, start by understanding the reason for the chargeback and gathering relevant transaction details, such as receipts and the journey taken. Prepare a response on the basis of the evidence and submit it promptly to the payment processor, typically within 7-14 days. Be aware of international regulations and be ready to escalate the dispute if necessary, although this can be time-consuming. To prevent future chargebacks, ensure clear product descriptions and refund policies and utilise fraud prevention tools. Timely action and thorough documentation are crucial for resolving disputes.

Pay close attention to submission deadlines, as failing to respond on time can result in automatic losses, regardless of whether the dispute is valid or not.

As a Chargeback Analyst from an acquiring perspective, you should first identify the reason code category and conduct the necessary investigation. Wear the hat of the issuer’s chargeback team, analyze how the chargeback would have been raised, addressing any technical errors from the issuer's side while raising the chargeback. Simultaneously, notify the merchant to provide supporting documents based on the transaction type and reason code (e-commerce or face-to-face). Finally, create an acquirer certificate highlighting the issuer’s gaps and validating the charges and submit all these documents, all while adhering to the time frame set by the scheme's rules and regulations.

When dealing with international chargeback disputes, I take a structured approach. First, I thoroughly review the transaction for any discrepancies or fraud indicators. Documentation is key—I gather all relevant evidence like signed receipts, proof of delivery, and any correspondence with the customer. Communication plays a vital role, so I try to resolve misunderstandings directly with the customer before escalation. I also work closely with our bank to ensure all deadlines and regulations, especially international ones, are met. After each case, I assess what improvements can be made to prevent future disputes, refining processes to reduce similar issues.

Understsnding of the transaction from the merchant is very critical when an international dispute is recieved. while there is a high possibility of intuitive purchase, it is also possible that the terms of the the transaction like period of delivery, warranties and guarantees have not been explained properly. It is critical to procure and provide these information while defending an international chargeback or dispute. It might be beneficial if there is a translation document in English provided by the acquirer when such disputes are being addressed Merchant training to share the contract/ transaction terms at the time of transaction is encouraged as well

Dealing with an international chargeback dispute can be complex due to varying regulations and communication challenges. Here are few steps I follow to handle it effectively: Transaction Details: Collect all relevant information about the transaction, including date, amount, and description. Different chargeback reason codes provide insight into why the dispute was initiated. Familiarize yourself with the specific reason code to tailor your response effectively. Prepare a Response Draft a comprehensive response that addresses the chargeback reason. Include: A clear summary of the transaction. Evidence supporting your case (receipts, Collusions, communication). Any policies that may apply (return, refund, or service terms)

For dealing with international chargeback disputes, it's crucial to have a thorough understanding of both local and international regulations. Establish clear communication channels with all parties involved, including the cardholder, merchant, and acquiring bank. Collect all necessary documentation to support your case and adhere to specific timelines for submitting evidence. Consider using dispute resolution platforms and collaborating with experienced professionals to navigate complex cases effectively and reach a fair resolution.