Smart Disputes Associated Transactions screen

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1

Hello everyone, I hace a question about Smart Disputes implementation, we have a scenario for a client for a Visa Dispute on the Pre-arbitration stage, after submitting the form for Pre-arbitration, an additional screen is displayed for Associated transactions, specifically for Credit transactions.

I noticed that a flag is coming from the service that posts the Pre-arbitration to Visa, ATRSelectionReqdInd, after submitting the pre-arbitration it is coming as “Required”, which displays the Associated transactions screen and after the screen the Pre-arbitration form is displayed again, then after submitting this form for a second time, the ATRSelectionReqdInd comes as “NotRequired” this time, so the Pre-arbitration is properly submitted to Visa.

I tried to find some documentation about this Associated transactions process on the Documentation page with no success. Is there any place where I can find this documentation or someone has more details about it?. I would like to know if this flag comes as “Required” due to something on previos stages, qualify questionnaire at the Claim level, dispute questions or something on the Chargeback, etc.

Thanks in advance,

Gilberto.

2

Hello @Gil_BC,

Associated transactions refer to incoming or inflight transactions (such as Credits, Reversals, or Authorizations) from Visa that have not yet been posted to the cardholder’s account.

In our Smart Disputes implementation, associated transactions are implemented at three key stages:

  1. After the qualification questionnaire is submitted
  2. Before dispute or chargeback submission
  3. When Pre-Arbitration is initiated

After the qualification questionnaire is submitted, we explicitly invoke the SIGetAssociatedTransactionListRequest to retrieve any associated transactions. If a list is returned, we present these transactions to the user for review and possible association. Based on the user’s selection, we send a SIAssociatedTranSelectionRequest, which updates the “Associated” flag (Y/N) for each transaction.If any transaction is associated, we wait for three days to allow the associated transaction to post to the cardholder’s account. During this period, the Smart Dispute application checks for posted transactions. If a matching posted transaction is found, the dispute amount is updated: for partial credits, the case proceeds with the remaining amount; for full credits, the case is resolved.

Similarly, before submitting the dispute to Visa, if the SIInitiateDisputeFromTransactionOrCaseResponse returns ATRSelectionReqdInd=true, we follow the same process as described above for handling associated transactions.

At the Pre-Arbitration stage, if SICreateDisputePreArbResponse returns ATRSelectionReqdInd=true, we display the associated transactions screen by invoking SIGetAssociatedTransactionListRequest. After the user reviews the transactions, the Pre-Arbitration form is displayed again with the updated outstanding dispute amount, which will be used for Pre-Arbitration submission.

Additional information:

ATRSelectionReqdInd indicates in the response if the user is required to select associated transactions. Possible values:

-Required: ATR selection is required.
-NotRequired: ATR selection is not required.
-Unknown: VROL was not able to determine the correct status yet, as the query is still in progress.

SIGetAssociatedTransactionListRequest uses the parameters AssociatedTransGroupId and ATRTranType.

-If ATRTranType = Dispute, dispute stage ATR records are returned.
-If ATRTranType = PreArb, incremental ATRs between Dispute and Pre-Arbitration stages are returned.

Note: Technical information related to associated transactions can be found in the Visa ROLRTSIDevGuide and Visa IES documents.

Hope this helps.

regards,

Imran Mohd

3

@imramThanks for your response, it looks like everything depends on if the call to SIGetAssociatedTransactionListRequest returns any record to display or not the screen, so, there is no dependency on anything related to the previous questionnaires.

I will try to get the document you mention.

Thanks,

Gilberto.