{"version":"0.35.0","built_at":"2026-10-24T11:24:42.001Z","license":"CC BY 4.0 © Mike Reams","canonical":"https://catalog.mikereams.com","capability":{"id":"BC-1730.60","name":"Payment Disputes & Chargebacks","level":2,"parent_id":"BC-1730","l1_id":"BC-1730","industry":"financial-services","macro_id":null,"path":["Payments & Cards","Payment Disputes & Chargebacks"],"description":"Resolve customer claims that a payment was unauthorized, wrong or not as promised, inside the time limits that card schemes and payment rules set, through intake, provisional credit, chargeback and recall. Fraud investigation, scam reimbursement decisions and fraud loss recording belong to fraud detection and prevention.","aliases":["Card Disputes","Chargeback Processing","Payment Error Resolution"],"in_scope":["Dispute intake and provisional credit decisions","Chargebacks, representments and pre-arbitration with card networks","Unauthorized and erroneous claims on ACH, wire and instant payments","Merchant responses to chargebacks raised against them"],"out_of_scope":["Disputes over an enterprise's own invoices (see BC-250.30)","Fraud investigation, scam reimbursement decisions and fraud loss recording (see BC-1770.40)","Litigation and formal legal disputes (see BC-150.40)"],"csdm_note":null,"status":"active","successor_id":null,"child_ids":["BC-1730.60.10","BC-1730.60.20","BC-1730.60.30","BC-1730.60.40"]},"crosswalk":{"realized_by":[],"used_in":[],"patterns":[],"stacks":[],"books":[],"technology":[],"frameworks":[],"principles":[],"data_concepts":[],"domain_events":[]},"ancestors":[{"id":"BC-1730","name":"Payments & Cards","level":1}],"children":[{"id":"BC-1730.60.10","name":"Payment Dispute Intake","level":3,"child_count":0},{"id":"BC-1730.60.20","name":"Issuer Chargebacks","level":3,"child_count":0},{"id":"BC-1730.60.30","name":"Chargeback Representment","level":3,"child_count":0},{"id":"BC-1730.60.40","name":"Non-Card Payment Claims","level":3,"child_count":0}]}