UC-408
Scheme Chargeback Representment Packs
Reads each dispute against its scheme reason code, assembles the representment evidence pack and files it before the deadline.
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The Challenge
Winnable disputes get written off because building the proof takes longer than the scheme deadline. Evidence sits across gateway, order and delivery systems with no single owner of the chain.
How It Works
- Reads scheme dispute files, reason codes, authorisation logs and delivery confirmations.
- Matches each reason code to the evidence that historically won that code, and scores win odds.
- Drops a filled representment pack into the analyst queue with the deadline clock showing.
What It Removes
- Manual hunting for delivery proof across systems
- Rekeying dispute detail into scheme portals
- Blanket write-off of winnable low-value cases
Input Data RequirementsScheme dispute files, gateway authorisation logs, order and delivery records, 3-D Secure results, prior representment outcomes
Output FormatDeadline-ordered dispute queue with a drafted representment pack and win-odds score per case
“We were conceding cases we could have won, purely because nobody had time to go and find the delivery proof.”