Manage dispute resolution from end-to-end MASTERCOM® DISPUTE RESOLUTION Chargebacks are a significant and growing problem—creating an inconsistent, costly experience for everyone involved. Mastercom Dispute Resolution can help issuers and acquirers manage chargebacks more efficiently and cost-effectively throughout the dispute lifecycle. Disputes are complex and prolonged, creating Streamline disputes from initiation to close a negative experience for a better consumer experience Dispute resolution processes typically engage As a single, integrated dispute resolution multiple platforms throughout the dispute platform, Mastercom developed Claims lifecycle, driving up operational costs and Manager to create and track disputes from processing time for financial institutions and end-to-end throughout the entire lifecycle— merchants and creating inconsistent, fragmented tracking all activity associated with a dispute experience for consumers. within a single “claim” until closure. This means that every dispute event is managed as a claim, Losses and costs to US financial regardless of whether it advances to a network- $12B institutions due to chargebacks1 level dispute transaction. Claims Manager enables dispute initiation of chargebacks, re-presentments and retrieval ConsumersUS consumers contact contact their theirbank bank 76% insteadinstead of ofmerchant merchant for for a refunda refund1 1 requests in place of customer-supported back- office systems. And it easily integrates with customer platforms to provide multiple access Operational costs of chargebacks, options via user interface or Mastercard API. $2.4B totaling 20% of US issuer losses1 Mastercard. Proprietary and Confidential. 2020 © 1. JAVELIN. THE CHARGEBACK TRIANGLE. 2018. MASTERCOM DISPUTE RESOLUTION MASTERCOM DISPUTE RESOLUTION 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 For more information, contact your Mastercard account representative. Mastercard. Proprietary and Confidential. 2020 © MASTERCOM DISPUTE RESOLUTION 2.