Hello Alex,

Great information in your newsletter as always. I'm working in the chargeback backend process for large bank and we have following additional steps :-

Step 14 : Issuer bank submits a pre-arbitration to the network which gets passed to the acquirer bank and then the merchant.

Step 15 : Merchant either accepts it or sends a pre-arbitration response back to acquirer bank which is passed to network and then to issuer bank.

Step 16 : Issuer accepts the pre-arbitration response or files an arbitration with the network.

Thank you.

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My answer to the chargeback question is: connect the cardholder with the merchant.

✅ If the merchant agrees, the chargeback process starts from the merchant steps, which should cut costs twice;

⛔ if the merchant disagrees, then the standard flow.

Of course, it will work if the merchant and the cardholder are inside one platform marketplace.

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What if something goes wrong at step 5 such that the message couldn't be enqueued? Wouldn't it be better to make that part async? We could utilise database change stream to do that. What do you think?

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