Manage Dispute Resolution from End-To-End

Manage dispute resolution from end experience for consumers. consumers. for experience merchants and creating inconsistent, fragmented processing time for financial institutions and and costs operational up driving lifecycle, multiple platforms throughout the dispute Dispute resolution processes typically engage a negative experience Disputes are complex and prolonged, creating more efficiently and cost Dispute Resolution can help issuers and acquirers manage chargebacks costly Mastercom involved. forexperience inconsistent, everyone Chargebacks are a significant and growing problem RESOLUTION DISPUTE MASTERCOM® $12B $2.4B 76% insteadof merchant fora refund bank their contact Consumers totaling20% of US issuerlosses chargebacks, of costs Operational insteadof merchant fora refund bank their contact consumers US institutionsdue tochargebacks financial US to costs and Losses 1. 1. JAVELIN. THE CHARGEBACKJAVELIN.THE TRIANGLE.2018. - effectively lifecycle. dispute the throughout 1 1 1 1 platform, As a single, integrated dispute resolution experience consumer better a for close to initiation from disputes Streamline options platformscustomer to provide multiple access office systems. And it easily integrates with customer of place in requests chargebacks, re Claims Manager enables dispute initiation of transaction. dispute level network a to advances it whether of regardless that within a single “claim” until closure. This means tracking alldispute a with activity associated end Manager to - to every dispute event is managed as a claim, claim, a as is event managed dispute every - end throughout the entire lifecycle via user interface or Mastercard API. Mastercom developed Claims create and track disputes from - presentments and retrieval — creating an an creating - to MASTERCOM DISPUTE RESOLUTION - supported back supported - end — - -

A single, consolidated platform for simpler dispute submissions

MASTERCOM CLAIMS MANAGER

Creates and tracks disputes 1 USER INTERFACE 2 Enables dispute initiation of from end-to-end API INTEGRATION chargebacks, re-presentments throughout the entire TRANSACTION RESEARCH DISPUTE INITIATION and retrieval requests in place lifecycle DOC & NON-DOC DISPUTES of customer-supported back- CLEARING INTEGRATION office systems

ISSUER ACQUIRER

Manages all dispute cycles RULES ENFORCEMENT Integrates with customer 4 F&LD INTEGRATION 3 platforms to provide within single “claim” until REVERSAL/FEE multiple access options via closure COLLECTIONS FORMS AUTOMATION user interface or DASHBOARD & REPORTING Mastercard API

Reduce chargebacks and improve the consumer experience

Mastercom Claims Manager can help financial institutions: • Reduce formal chargeback volumes, losses, and • Increase automation and productivity, associated back-office costs integrating “swivel chair” dispute processing • Lessen costly chargeback cycles and processing into a single solution time by pre-empting disputes from advancing • Improve the consumer experience and brand to chargebacks loyalty • Shorten resolution time frames, potentially solving disputes in hours or days instead of weeks or months

MASTERCOM DISPUTE RESOLUTION 2