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Process AtlasPayments & Disputes

Fraud & Disputes

The fraud-routing pack supports allow, step-up, hold, or block decisions on the authorization path. When a cardholder disputes, the disputes pack organizes the evidence and the applicable Reg E or Reg Z clock for accountable review.

Cadre packs assignedHuman checkpointsUnassigned steps shown

Authorize

Payment rails
Bank system

Card and account-to-account authorizations, in flight.

Decide in-flight

In-flight fraud routing
Cadre pack · Tripwire

Returns allow / step-up / hold / block for a supplied payment, with checks aimed at avoiding unsupported friction.

Verify

Customer step-up
Open work

Out-of-band verification when Tripwire requests step-up. Open work — no Cadre pack is assigned yet.

Fraud ops review
Human checkpoint

Holds and edge cases go to the human queue.

Dispute

Dispute intake
Bank system

Cardholder claims open Reg E / Reg Z investigation clocks.

Dispute adjudication
Cadre pack · Arbiter

Separates interim timing obligations from the dispute merits and records each status for review.

Recover

Chargeback & recovery
Open work

Network recovery on merchant liability. Open work — no Cadre pack is assigned yet.

The walkthrough

  1. 1

    Tripwire illustrates allow / step-up / hold / block routing on the authorization path, with explicit checks against over-blocking.

    Open example capture
  2. 2

    Friction is a decision too: step-up goes to the customer, holds go to fraud ops.

  3. 3

    When a cardholder disputes, Arbiter records interim action, timeline status, and merits status separately under the applicable Reg E or Reg Z path.

  4. 4

    Cadre does not yet cover network recovery.