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Insights and Expertise

Companies that invest in modern, automated payment
In a world where consumers back-office infrastructures are positioning themselves not
only to handle the rising volume of disputes, but also to
expect near-instant settlements, gain a strategic advantage.

even minor errors or delays can When dispute resolution is fast, accurate and transparent:
trigger disputes.
• Efficiency improves, enabling dispute manage-
ment teams to be more successful.
Integration further enhances visibility by breaking down • Unnecessary losses and fees are avoided, protect-
silos between front-office and back-office systems. It also ing profit margins.
provides two way communication with external systems
such as card network dispute systems. • Reputation strengthens, which is essential in an in-
dustry built on trust.
A unified, real-time view of transactional data and dis-
pute activity allows for quicker validation, more efficient By embracing these new technologies, organizations can
collaboration and greater transparency throughout the transform one of the most persistent pain points in pay-
lifecycle of a dispute. ments into a catalyst for operational excellence and cus-
tomer trust.
"The volume and complexity of disputes today make man-
ual processing unsustainable. Automation isn't just a con- Casey Scheer serves as the Director of Marketing at BHMI, a trusted
venience, it's the only way to efficiently gather, interpret,
and act on the data required for timely resolution," said software solutions provider that helps leading financial services orga-
Travis Johnson, dispute regulations manager at BHMI. nizations modernize their payments back office. BHMI has decades of
experience guiding network operators, processors, and financial institu-
Kate Knudsen, senior program director at BHMI added, tions on how to transform their back-office operations to support both
"Dispute resolution is only as strong as the data that sup- traditional card payments and real-time payments within a unified
ports it. Centralizing information from every step of the system. To learn more about BHMI, visit www.bhmi.com.
transaction lifecycle allows teams to resolve card disputes
faster, improve accuracy, and strengthen customer trust."
Payments is our Business
Modern back-office systems: Speed, accuracy and trust
When companies apply automation, integration and AI in • Expert Witness Consulting Testimony
real-world back-office systems, the results are compelling. • Experience in Criminal & Civil cases
• Reduced manual intervention: Many disputes can • Payment Facilitation
be entirely auto-handled or only lightly moderated, • RFP services
cutting down labor hours significantly. • Integrated Payments

• Shorter resolution times: With streamlined pro- • Least Cost Routing
cesses and fewer handoffs, turnaround shrinks • Card Network Rules
from days/weeks to hours or even minutes. • Payment Gateways
• Better compliance and auditability: Workflows • Processor Selection
enforce network regulations and reason codes. In • 'Hard to Place Merchants'
addition, automated notifications ensure now steps
are missed, and every step is logged. Let us demonstrate how our our Experience
and Knowledge can work for you!
• Improved customer experience and trust: Faster,
transparent resolution builds client confidence.
Handling disputes well becomes a brand differen- Napa Payments and Consulting
tiator.

From cost center to strategic advantage (707)601-7656
Dispute management has historically been viewed as a kenm@napapaymentsandconsulting.com
cost center. Today, it's evolving into a source of strategic
advantage. napapaymentsandconsulting.com

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