Dispute Auto Defense

The Silverflow API provides autodefense functionality for certain use cases. Autodefense is employed on an opt-in basis, meaning that the agent must actively choose to activate autodefense for the merchant on the acceptor level.

Enrolling

An acceptor can be enrolled for autodefense upon creation or by updating an existing acceptor. The "disputeHandling field must be set to "true". Once an acceptor is enrolled for autodefense, all autodefense rules are active for that acceptor.

Rules

Silverflow uses a rule engine that is checked whenever a new disputes is received provided that the dispute belongs to an acceptor that is enrolled for autodefense. The following rules are currently implemented:

Fraud liability shift

Fraud disputes are automatically defended if the liability for the fraud dispute was shifted to the issuer through SCA.

Logic	Visa	Mastercard
If	`ECMOTO` property in authorization response is 05 or 06 (`charge.fraudLiablity` is `"issuer"` )	`electronicCommerceSecurityLevelIndicator`property in authorization response is "1", "2", or "7" (`charge.fraudLiablity` is `"issuer"` )
And	`reason.category` is `Fraud` (code is 10.4)	`reason.category` is `Fraud` (code is 4837)
Defense	Create a Pre Arbitration with Pre Arbitration Reason: “Dispute Invalid”	Initiate a Second Presentment with message reason code "2008"

Refund Recognised

Disputes for transactions that have already been refunded are invalid and can be represented. Silverflow has implemented the following logic:

Logic	Visa	Mastercard
If	A dispute is received for a transaction and a refund is associated with that transaction	A dispute is received for a transaction and a refund is associated with that transaction
And	If `disputeAmount` = `chargeAmount` AND If `disputeAmount` = `refundAmount` AND If `chargeAmount` = `refundAmount`	If `disputeAmount` = `chargeAmount` AND If `disputeAmount` = `refundAmount` AND If `chargeAmount` = `refundAmount`
Defense	`disputeResponseReason`: "`CP`", `elaboration`: "Dispute is invalid because a credit was already processed for the disputed transaction", `creditARN`: ARN of the refund , `creditAmount`: Amount of the refund , `creditDate`: Processing date of the refund	Initiate a Second Presentment with message reason code "2008"

Timeframe Expired

Transactions have chargeback protection timeframes that can expire for certain chargeback reason codes. Chargebacks submitted after the timeframe has expired are invalid and can be autodefended.

Stage	Visa	Mastercard
For	All incoming disputes	All incoming disputes
If	time difference between `dispute.chargeInfo.clearingDateTime` and `dispute.disputeDate` is larger than the maximum timeframe	time difference between `dispute.chargeInfo.clearingDateTime` and `dispute.disputeDate` is larger than the maximum timeframe
Defense	For Processing Error & Consumer Disputes: `disputeResponseReason` = `“NL”` `Authorization` & `Fraud` Disputes: `disputeResponseReason` = `“ID”` `disputeInvalidReason` = `“IDRA7”` `elaboration` = `"Invalid Dispute Timeframe Expired";`	Initiates a defense with message reason code "`2702`" and message text `"Invalid Dispute Timeframe Expired";`

Dispute Category	Reason	Dispute Reason Code	Card Network	Timeframe Expiry
Fraud	Counterfeit Fraud	10.1	Visa	120 days from processing date (clearing)
Fraud	non-Counterfeit Fraud	10.2	Visa	120 days from processing date (clearing)
Fraud	Other Fraud - Card Present	10.3	Visa	120 days from processing date (clearing)
Fraud	Other Fraud - Card Not Present	10.4	Visa	120 days from processing date (clearing)
Fraud	Visa Fraud Monitoring	10.5	Visa	120 days from processing date (clearing)
Authorization	Card Recovery Bulletin	11.1	Visa	75 days from processing date (clearing)
Authorization	Declined Authorization	11.2	Visa	75 days from processing date (clearing)
Authorization	No Authorization	11.3	Visa	75 days from processing date (clearing)
Processing Error	Late Presentment	12.1	Visa	120 days from processing date (clearing)
Processing Error	Incorrect Transaction Code	12.2	Visa	120 days from processing date (clearing)
Processing Error	Incorrect Currency	12.3	Visa	120 days from processing date (clearing)
Processing Error	Incorrect Account Number	12.4	Visa	120 days from processing date (clearing)
Processing Error	Incorrect Amount	12.5	Visa	120 days from processing date (clearing)
Processing Error	Duplicate Processing	12.6	Visa	120 days from processing date (clearing)
Processing Error	Invalid Data	12.7	Visa	75 days from processing date (clearing)
Cardholder Disputes	Merchandise not received	13.1	Visa	120 days from processing date (clearing)
Cardholder Disputes	Cancelled recurring transaction	13.2	Visa	120 days from processing date (clearing)
Cardholder Disputes	Not as described or defective merchandise	13.3	Visa	N.A
Cardholder Disputes	Counterfeit Merchandise	13.4	Visa	120 days from processing date (clearing)
Cardholder Disputes	Misrepresentation	13.5	Visa	N.A
Cardholder Disputes	Refund not received	13.6	Visa	N.A
Cardholder Disputes	Cancelled merchandise	13.7	Visa	120 days from processing date (clearing)
Cardholder Disputes	Original credit not accepted	13.8	Visa	N.A
Cardholder Disputes	Cash not received	13.9	Visa	120 days from processing date (clearing)
Processing Error	-	4834	Mastercard	90 days from the processing date (clearing)
Cardholder Disputes	-	4853	Mastercard	N.A
Authorization	-	4808	Mastercard	90 days from the processing date (clearing)
Fraud	No Cardholder Authorization	4837	Mastercard	120 days from the processing date (clearing)
Fraud	Questionable Merchant Activity	4849	Mastercard	120 days from the processing date (clearing)
Fraud	Chip Liability Shift	4870	Mastercard	120 days from the processing date (clearing)
Fraud	Chip Liablity Shift-Lost /Stolen/Never Received Issue (NRI)	4871	Mastercard	120 days from the processing date (clearing)