Merchants can set up to ten rules, each with up to seven attributes, specific to the BIN/CAID identifiers of a given merchant account. The seven attributes are
- Issuer BIN
- Transaction Date
- Transaction Amount
- Transaction Currency Code
- Purchase Identifier
- Dispute Category
- Dispute Condition Code
If a disputed transaction matches one or more attribute values, then a credit is authorized from the acquirer to the cardholder automatically. A ruleset example could be as simple as any transaction below a certain amount is refunded. Complexity can also be added, for example a transaction of a certain amount, in a specific currency, for all transactions stemming from a single issuing bank.