Dispute Resolution

Dispute resolution built into your debit strategy

Debit card disputes are growing more complex and costly, driven by friendly fraud, digital commerce and merchant errors. For community banks and credit unions, dispute management is no longer a back‑office function —it’s a critical moment that impacts cardholder trust, revenue, and compliance.

Yet, too often, confirming fraud means teams have to start dispute resolution from scratch, recreating investigations and documentation across disconnected systems while regulatory deadlines loom. The result is higher costs, slower recovery and increased audit risk.

Dispute Partner Plus™ removes that friction. Built within the Peregrine™ debit processing environment, our platform‑based solution carries transaction and fraud context directly into dispute handling — eliminating rework and enabling faster, more accurate and compliant resolution. You retain full decision authority, while structured workflows, intelligent automation and end‑to‑end visibility reduce manual effort and strengthen audit readiness.

Dispute Partner Plus delivers:

  • Integrated claim intake
  • Automated dispute initiation
  • Merchant collaboration tools
  • Automated Regulation E recordkeeping
  • Full case visibility from intake through resolution

With Dispute Partner Plus, you lower operational costs, improve compliance and deliver a better cardholder experience — strengthening the performance of your debit program.

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the actual cost to financial institutions for every $1 lost to fraud after labor and legal fees are included
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the percentage of debit card disputes related to friendly fraud in certain digital sectors
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the number of days financial institutions have under Regulation E to complete a dispute investigation

Turn dispute management into your competitive advantage

Debit disputes cost far more than transaction value alone. Labor, rework, provisional credit and slow recovery quietly erode margins — especially for community financial institutions with lean teams.

By streamlining the path from fraud confirmation to dispute resolution, SHAZAM helps reduce operational expenses while preserving a consistent, professional experience for cardholders and a controlled, strategic recovery function that strengthens both your debit program and your bottom line.

Purpose-built for community financial institutions

Dispute Partner Plus is designed specifically for community banks and credit unions navigating rising fraud, increasing regulatory scrutiny and growing competition from larger institutions and fintechs.

By aligning front‑end fraud protection with back‑end dispute resolution, SHAZAM helps you modernize confidently — without giving up control, accountability or the personal service your institution is known for.

 

Frequently asked questions

How does Dispute Partner Plus help with Regulation E compliance?

Dispute Partner Plus is built with Regulation E at its core. The solution uses standardized, regulator-aligned workflows, consistent documentation and automated recordkeeping to support timely investigations, accurate determinations and proper notifications. This structure helps institutions maintain examiner-ready files and demonstrate compliance across the full dispute lifecycle.

Who retains decision-making authority during the dispute process?

With Dispute Partner Plus, your institution retains full decision authority. We provide the operational support, tools and expertise to manage disputes efficiently, while you maintain control over determinations, cardholder communication and risk decisions.

Is Dispute Partner Plus designed for community banks and credit unions?

Yes. Dispute Partner Plus is purpose-built for community banks and credit unions that need a scalable, compliant dispute solution without losing control or visibility. It adapts to different staffing models and growth strategies while reducing operational burden and compliance risk.

A smarter way to resolve debit disputes

Debit dispute management no longer has to be fragmented, manual or reactive.

Dispute Partner Plus helps you move seamlessly from fraud detection to compliant resolution — reducing cost, strengthening recovery and protecting cardholder trust along the way. Whether you need expert‑led support, technology‑enabled control or a combination of both, we deliver a dispute management approach built for today’s risk environment and tomorrow’s growth.

Ready to build the right strategy for your financial institution?