Recovery Assist

Prevent chargebacks before they happen

Resolve qualifying payment disputes before they enter the traditional chargeback process. Recovery Assist extends FINBOA Payment Disputes with integrated access to the Cardholder Dispute Resolution Network (CDRN®) by Visa, a world leader in digital payments. This integration helps financial institutions avoid chargeback processing costs across all payment types, reduce manual effort and deliver faster outcomes for cardholders, all within the FINBOA workflow.

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Automate tasks, processes & decisions
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Your challenge

The cost of a dispute grows when it becomes a chargeback

Rising dispute volumes create more than a capacity challenge. Every dispute that enters the traditional chargeback process can require additional processing, operational effort and expense.

For lower-dollar transactions, the cost of pursuing a chargeback can even exceed the value of the dispute, leaving financial institutions to choose between absorbing the loss or spending valuable resources processing the claim.

Resolving more disputes earlier creates an opportunity to reduce those downstream costs while giving cardholders faster answers.

Eliminate paperwork
Automate tasks, processes & decisions
Provide data insights
Increase efficiency

Our Solution

Recovery Assist brings Visa’s Cardholder Dispute Resolution Network (CDRN®) directly into FINBOA Payment Disputes, helping participating merchants resolve qualifying disputes before they become chargebacks.

Your team works entirely within FINBOA, eliminating separate portals and duplicate data entry. The result: eligible disputes can be resolved in an average of 17 hours, compared with approximately 24 days through traditional processing.

Benefits

Avoid chargeback processing costs by resolving qualifying disputes before chargeback initiation
Reduce manual effort with CDRN® integrated directly into FINBOA Payment Disputes workflows
Recover more lower-dollar transactions that would otherwise be unprofitable to pursue
Eliminate duplicate data entry and separate operational workflows
Improve the cardholder experience with faster dispute resolution
Scale dispute operations more efficiently as volumes increase

Eliminate paperwork
Automate tasks, processes & decisions
Provide data insights
Increase efficiency

Why Recovery Assist?

CDRN access. FINBOA workflow. One integrated dispute operation.

Recovery Assist embeds Visa’s CDRN^® connectivity into FINBOA Payment Disputes, giving your team another path to resolution before a qualifying dispute becomes a chargeback.

Dispute intake, case management, Recovery Assist processing, and traditional chargeback workflows remain connected within FINBOA Payment Disputes. Your team can take advantage of CDRN without introducing another disconnected process into its day-to-day operation.

By resolving more disputes upstream, your institution can reduce downstream chargeback activity, avoid associated processing costs and focus valuable dispute resources on the cases that truly require chargeback processing.

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Eliminate paperwork
Automate tasks, processes & decisions
Provide data insights
Increase efficiency

Ready to Process Fewer Chargebacks?

See how Recovery Assist can help your financial institution resolve qualifying disputes earlier, reduce chargeback processing costs, and give cardholders faster answers, all within FINBOA Payment Disputes.

Request a Demo

Eliminate paperwork
Automate tasks, processes & decisions
Provide data insights
Increase efficiency

Frequently asked questions

What is FINBOA Recovery Assist and how does it work?

Recovery Assist helps financial institutions resolve eligible cardholder disputes faster before they become chargebacks.

Eligible disputes across all payment networks are routed through the Card Dispute Recovery Network (CDRN^®), a Visa solution; giving participating merchants an opportunity to review the transaction and resolve the dispute, typically within 72 hours.

What card networks are supported by Recovery Assist?

By leveraging the Visa solution, Recovery Assist helps participating financial institutions identify and resolve qualifying disputes in near real-time across all payment transactions from a single platform, not just Visa transactions. This allows Merchants to review and resolve disputes before a chargeback is initiated, effectively preventing unnecessary cost in improving the customer experience.

Does Recovery Assist work for every dispute?

No. Eligibility depends on the transaction and whether the merchant participates in the CDRN^® network. Ineligible disputes can continue through the standard chargeback process.

How quickly can a chargeback be resolved?

Average processing time of Recovery Assist chargeback is 17 hours versus a traditional timeline of 24 hours.

What happens if the merchant does not resolve the chargeback?

If the chargeback is not resolved through Recovery Assist, the financial institution can proceed with the standard chargeback process.

Is Recovery Assist a separate system?

No. Recovery Assist is integrated directly into FINBOA Payment Disputes, keeping dispute intake, resolution, and chargeback workflows connected.

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