Rails we support
A rail is the system the money moved on. It decides which rules govern the dispute, how long Casap has, and whether there is a counterparty to recover from. The member sees one intake and one timeline whatever the rail; the differences are Casap's to handle.
| Rail | Networks | Rules | How Casap resolves it |
|---|---|---|---|
| Debit card | Visa, Mastercard | Regulation E, network rules | Investigation; network chargeback when the evidence supports it. |
| Debit card, PIN and regional | Pulse, STAR, Accel, Maestro | Regulation E, network rules | Investigation; network chargeback where your processor supports it. |
| Credit card | Visa, Mastercard | Regulation Z, network rules | Investigation; network chargeback when the evidence supports it. |
| ATM | Allpoint and the card's network | Regulation E | Investigation; network adjustment where available. |
| ACH | Nacha | Regulation E, Nacha operating rules | Investigation; ACH return within the return window. |
| Check | The paying bank | UCC Articles 3 and 4, Regulation CC | Investigation; return or adjustment through the paying bank where the rules allow. |
| Transfer (P2P) | None | Regulation E | Investigation; written decision. |
Check disputes are opened by Casap through Casap-initiated intake; the self-service transaction list does not carry checks today.
What the rail changes
The clock. Regulation E and Regulation Z set when a provisional credit is due and when the investigation must end. Network, Nacha and check rules set the filing windows. Casap tracks all of them per transaction.
The recovery. Card networks give Casap a chargeback process with representment and arbitration. ACH and checks give a return window. A transfer has neither, so the decision rests on the investigation alone.
The questions. Get Dispute Reasons and Get Questionnaire already return the reasons and questions that fit the rail of the selected transactions. You do not branch on the rail yourself.
Mixing rails
One dispute covers one rail and, for cards, one card. A selection that mixes them fails the Eligibility Check with RAIL_MISMATCH or CARD_MISMATCH, and the member splits it into two disputes.