RTP Claims

A Real-Time Payment (RTP) claim occurs when the accountholder disputes a transaction that cleared their account instantly. QFD supports RTP credit and debit disputes.

1. Enrichment
   Note: Enrichment can be turned off for ACH claims. Refer to your firm's configurations to know if analysts will see this assignment.
   In the Process Enrichment Manually assignment, analysts will input the requested information into the required data fields.
   RTP required data points: Description, Transaction Amount, Transaction Date
   Process Enrichment Manually
   
   
2. Disposition (Disposition Case)
   In the Disposition Case assignment, analysts will determine if recovery should be pursued. They can pursue recovery by completing the form, selecting Do Not Pursue Recovery to move the dispute to the Process Liability assignment, or selecting the Pend option from the Other Actions menu to pend the dispute for a variety of reasons. For more information on pending the claim, click here.
   Disposition Case
   
   
3. Recovery
   Note: The claim will be paid after the analyst completes the ACH return. 
   In the Process Return assignment, analysts will process the return in their firm's system of choice.  If the analyst determines the return should not be processed, they can select Cancel Recovery from the Other Actions button or they can select Pend to pend the dispute for a variety of reasons. For more information on pending the claim, click here.
   ACH Recovery
   
   
4. Disposition (Process Liability)
   Note: This assignment will present to analysts when recovery cannot be pursued due to an expired regulation resolution date.
   In the Process Liability assignment, analysts will determine if the claim should be paid or denied.
   Process Liability