Automated Dispute Management Software

FusionDMS handles ACH, debit card, ATM, check and remittance transfer disputes, covering the full range of transaction types your institution manages under Reg E. 

Faster than most banks and credit unions expect. The Farmers State Bank and Trust Company had about two months after its vendor announced a sunset, and it went live on FusionDMS in less than two months with no change to its existing process. First Texas Data replaced a system it had used for more than a decade. Chargeback Intercept is built into the FusionDMS workflow, so a switch also gives your team a way to resolve eligible card disputes with a merchant credit before a chargeback is filed.

Deadlines are built directly into the workflow. FusionDMS automatically tracks and alerts your team to every Reg E deadline based on claim type, so nothing slips through the cracks.

FusionDMS integrates with all major core processors including Jack Henry, Fiserv, FIS, DCI, CSI and Finastra. Integration is handled by our implementation team as part of the standard onboarding process.

Your choice. You can host FusionDMS in-house on your own infrastructure, or FIntegrate hosts it for you in our AWS environment. The functionality is the same either way, and an institution that starts in-house can move to the hosted environment later without changing how its team works. First Texas Data chose FusionDMS in part because it could host the platform on its own infrastructure.

Implementation timelines vary based on institution size and configuration needs, but FusionDMS includes a structured 30-day UAT window with issue tracking and weekly review meetings to ensure a smooth go-live. Your FIntegrate project team will establish a specific timeline during the onboarding process. The Farmers State Bank and Trust Company went live in less than two months when its prior vendor sunset its platform.

FIntegrate’s 100% U.S.-based support team is available to assist with questions, training and system updates. Beyond reactive support, FIntegrate engages with clients on an ongoing basis to identify new opportunities and address evolving needs.

Chargeback Intercept resolves an open cardholder dispute before it becomes a formal chargeback.  The dispute already exists.  The cardholder has reported it to their bank or credit union. Chargeback Intercept notifies the participating merchant in real time, giving them a window to issue a refund through their acquirer before the chargeback is submitted to the network. If the merchant credits the cardholder, the chargeback is never filed, saving the institution the network fee, the investigation time, and the chargeback ratio impact. It is built directly into the FusionDMS investigation workflow.  This is sometimes called dispute deflection in the payments industry.

Eligibility depends on whether the merchant participates in the card network’s merchant alert programs, and FusionDMS checks that automatically as the first step of the investigation workflow. Your staff does not screen for it. 

No. Chargeback Intercept runs through the card alert networks, so it applies to card disputes only. FusionDMS still handles ACH, check, ATM and remittance transfer disputes exactly as it does today, with case deadlines tracked automatically. Chargeback Intercept is an additional path for card claims, not a replacement for the rest of the workflow.

Chargeback Intercept works across the major card networks’ merchant alert programs, so coverage is not limited to a single card brand. Eligibility is checked automatically as the first step of the investigation workflow, and alerts are sent with one click (or automatically) from the existing dispute screen, no separate platform or additional login required.

Response windows vary by network, generally 24 to 72 hours before the chargeback becomes official.  In practice about 40% of merchant alerts come back resolved in under 24 hours, so cases that used to sit in an investigation queue for weeks can close the same day.

The dispute continues through the investigation workflow you already have, and nothing is lost. The Reg E clock started when the cardholder reported the transaction and kept running throughout, so an unsuccessful intercept attempt leaves you on exactly the timeline you would have been on anyway. FusionDMS logs the attempt and the outcome as part of the case history.

Both. The networks’ merchant alert programs carry fraud and non-fraud reason codes, including service disputes such as a cancelled subscription or goods that never arrived. Eligibility is determined by merchant participation in the network, not by how the claim is classified. Your existing rules for handling fraud claims do not change.

No. Reg E timers begin the moment a cardholder reports a dispute, whether or not an intercept is attempted. FusionDMS tracks all required deadlines in parallel. If a merchant alert results in a merchant refund, the Reg E case closes with a documented resolution. If intercept is unsuccessful, the investigation continues on the same timeline it would have followed anyway.

A intercepted chargeback is never filed, so it is never counted. That removes the $25 to $35 network fee and keeps the case out of your chargeback volume. The cardholder is still made whole, through a documented merchant credit rather than a chargeback, and the Reg E case closes with that resolution on file.

Every chargeback that reaches the network carries a $25–$35 network fee, plus an average of 30–60 minutes of staff investigation time. For institutions that auto-credit disputes below a certain dollar threshold rather than investigate them, that cost is absorbed entirely.  Chargeback Intercept eliminates the network fees and reduces investigation time for eligible disputes, while also recovering value on low-dollar claims that would otherwise be written off.