Ciclo de vida do chargeback

👍

Chargeback

Quando uma transação sofre chargeback ela aparece tanto em FinancialTransactions no dia em que sofreu o chargeback, e em FinancialTransactionAccounts no dia em que foi descontada

Exemplos de ciclo de vida do Chargeback:

Captura (10/05) > Liquidação da Parcela (09/06) > Chargeback + Desconto do Chargeback (10/06)

Neste momento temos um Chargeback após a liquidação da parcela.

<FinancialTransactions>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>1</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>0</Chargebacks>
            <Payments>0</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <International>True</International>
        <AccountType>2</AccountType>
        <InstallmentType>1</InstallmentType>
        <NumberOfInstallments>1</NumberOfInstallments>
        <AuthorizedAmount>694.000000</AuthorizedAmount>
        <CapturedAmount>694.000000</CapturedAmount>
        <AuthorizationCurrencyCode>986</AuthorizationCurrencyCode>
        <IssuerAuthorizationCode>054973</IssuerAuthorizationCode>
        <BrandId>1</BrandId>
        <CardNumber>411111******1111</CardNumber>
        <Poi>
            <PoiType>4</PoiType>
        </Poi>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>694.000000</GrossAmount>
                <NetAmount>678.454400</NetAmount>
                <PrevisionPaymentDate>20160609</PrevisionPaymentDate>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactions>
<FinancialTransactionsAccounts>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>0</Chargebacks>
            <Payments>1</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <Poi>
            <PoiType>4</PoiType>
        </Poi>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>694.000000</GrossAmount>
                <NetAmount>678.454400</NetAmount>
                <PaymentDate>20160609</PaymentDate>
                <PaymentId>1234567</PaymentId>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactionsAccounts>
...
<Payments>
    <Payment>
        <Id>1234567</Id>
        <WalletTypeId>3</WalletTypeId>
        <TotalAmount>14185.81</TotalAmount>
        <TotalFinancialAccountsAmount>14185.81</TotalFinancialAccountsAmount>
        <LastNegativeAmount>0.00</LastNegativeAmount>
        <FavoredBankAccount>
            <BankCode>XX</BankCode>
            <BankBranch>XXXX</BankBranch>
            <BankAccountNumber>XXXXXXXXX</BankAccountNumber>
        </FavoredBankAccount>
    </Payment>
</Payments>
<FinancialTransactions>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>1</Chargebacks>
            <Payments>0</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <Poi>
            <PoiType>4</PoiType>
        </Poi>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>694.000000</GrossAmount>
                <NetAmount>678.454400</NetAmount>
                <PrevisionPaymentDate>20160609</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>187384389</Id>
                        <Amount>678.454400</Amount>
                        <Date>20160610</Date>
                        <ChargeDate>20160610</ChargeDate>
                        <ReasonCode>83</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactions>

📘

Chargeback após liquidação da parcela

Caso o chargeback ocorra após a liquidação da parcela, ele reaparecerá dentro de Installment e sua liquidação será imediata, sem a necessidade de aparecer novamente dentro de FinancialTransactionsAccounts, ou seja, neste caso ele não irá aparecer no FinancialTransactionsAccounts, o valor será descontado direto.

Captura (10/05) > Chargeback (20/05) > Liquidação Parcela + Desconto do Chargeback (09/06)

Neste momento temos um Chargeback antes da liquidação da parcela.

<FinancialTransactions>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>1</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>0</Chargebacks>
            <Payments>0</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <International>True</International>
        <AccountType>2</AccountType>
        <InstallmentType>1</InstallmentType>
        <NumberOfInstallments>1</NumberOfInstallments>
        <AuthorizedAmount>694.000000</AuthorizedAmount>
        <CapturedAmount>694.000000</CapturedAmount>
        <AuthorizationCurrencyCode>986</AuthorizationCurrencyCode>
        <IssuerAuthorizationCode>054973</IssuerAuthorizationCode>
        <BrandId>1</BrandId>
        <CardNumber>411111******1111</CardNumber>
        <Poi>
            <PoiType>4</PoiType>
        </Poi>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>694.000000</GrossAmount>
                <NetAmount>678.454400</NetAmount>
                <PrevisionPaymentDate>20160609</PrevisionPaymentDate>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactions>
<FinancialTransactions>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>1</Chargebacks>
            <Payments>0</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <Poi>
            <PoiType>4</PoiType>
        </Poi>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>694.000000</GrossAmount>
                <NetAmount>678.454400</NetAmount>
                <PrevisionPaymentDate>20160609</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>149222320</Id>
                        <Amount>678.454400</Amount>
                        <Date>20160520</Date>
                        <ChargeDate>20160609</ChargeDate>
                        <ReasonCode>83</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactions>
<FinancialTransactionsAccounts>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>1</Chargebacks>
            <Payments>1</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <Poi>
            <PoiType>4</PoiType>
        </Poi>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>694.000000</GrossAmount>
                <NetAmount>678.454400</NetAmount>
                <PrevisionPaymentDate>20160609</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>149222320</Id>
                        <Amount>-678.454400</Amount>
                        <Date>20160520</Date>
                        <ChargeDate>20160609</ChargeDate>
                        <ReasonCode>83</ReasonCode>
                    </Chargeback>
                </Chargebacks>
                <PaymentId>71385326</PaymentId>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactionsAccounts>

📘

Chargeback antes da liquidação da parcela

Caso o Chargeback ocorra antes da liquidação da parcela, o desconto virá no dia do pagamento da parcela, como no exemplo acima. Como o pagamento é igual ao desconto, os dois se anulam, ou seja, será apresentando o PaymentId da transação e junto com isso o chargeback.

Captura (10/05) > Chargeback (20/05) > Liquidação Parcela + Desconto do Chargeback (09/06)

<FinancialTransactions>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>1</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>0</Chargebacks>
            <Payments>0</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <International>True</International>
        <AccountType>2</AccountType>
        <InstallmentType>1</InstallmentType>
        <NumberOfInstallments>3</NumberOfInstallments>
        <AuthorizedAmount>1099.000000</AuthorizedAmount>
        <CapturedAmount>694.000000</CapturedAmount>
        <AuthorizationCurrencyCode>986</AuthorizationCurrencyCode>
        <IssuerAuthorizationCode>054973</IssuerAuthorizationCode>
        <BrandId>1</BrandId>
        <CardNumber>411111******1111</CardNumber>
        <Poi>
            <PoiType>4</PoiType>
        </Poi>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>366.340000</GrossAmount>
                <NetAmount>357.657742</NetAmount>
                <PrevisionPaymentDate>20160609</PrevisionPaymentDate>
            </Installment>
            <Installment>
                <InstallmentNumber>2</InstallmentNumber>
                <GrossAmount>366.330000</GrossAmount>
                <NetAmount>357.647979</NetAmount>
                <PrevisionPaymentDate>20160709</PrevisionPaymentDate>
            </Installment>
            <Installment>
                <InstallmentNumber>3</InstallmentNumber>
                <GrossAmount>366.330000</GrossAmount>
                <NetAmount>357.647979</NetAmount>
                <PrevisionPaymentDate>20160809</PrevisionPaymentDate>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactions>
<FinancialTransactions>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>1</Chargebacks>
            <Payments>0</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <Poi>
            <PoiType>4</PoiType>
        </Poi>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>366.340000</GrossAmount>
                <NetAmount>357.657742</NetAmount>
                <PrevisionPaymentDate>20160609</PrevisionPaymentDate>
                <Chargeback>
                    <Id>149222320</Id>
                    <Amount>357.657742</Amount>
                    <Date>20160520</Date>
                    <ChargeDate>20160609</ChargeDate>
                    <ReasonCode>83</ReasonCode>
                </Chargeback>
            </Installment>
            <Installment>
                <InstallmentNumber>2</InstallmentNumber>
                <GrossAmount>366.330000</GrossAmount>
                <NetAmount>357.647979</NetAmount>
                <Chargeback>
                    <Id>149222321</Id>
                    <Amount>357.657742</Amount>
                    <Date>20160520</Date>
                    <ChargeDate>20160709</ChargeDate>
                    <ReasonCode>83</ReasonCode>
                </Chargeback>
            </Installment>
            <Installment>
                <InstallmentNumber>3</InstallmentNumber>
                <GrossAmount>366.330000</GrossAmount>
                <NetAmount>357.647979</NetAmount>
                <Chargeback>
                    <Id>149222322</Id>
                    <Amount>357.657742</Amount>
                    <Date>20160520</Date>
                    <ChargeDate>20160809</ChargeDate>
                    <ReasonCode>83</ReasonCode>
                </Chargeback>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactions>
<FinancialTransactionsAccounts>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>1</Chargebacks>
            <Payments>1</Payments>
        </Events>
        <AcquirerTransactionKey>99960072739732</AcquirerTransactionKey>
        <InitiatorTransactionKey>123456789</InitiatorTransactionKey>
        <AuthorizationDateTime>20160509154748</AuthorizationDateTime>
        <CaptureLocalDateTime>20160510082639</CaptureLocalDateTime>
        <Poi>
            <PoiType>4</PoiType>
        </Poi>
        <EntryMode>1</EntryMode>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>366.340000</GrossAmount>
                <NetAmount>357.657742</NetAmount>
                <PaymentDate>20160609</PaymentDate>
                <Chargeback>
                    <Id>149222320</Id>
                    <Amount>357.657742</Amount>
                    <Date>20160520</Date>
                    <ChargeDate>20160609</ChargeDate>
                    <ReasonCode>83</ReasonCode>
                </Chargeback>
                <PaymentId>123123</PaymentId>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactionsAccounts>

Captura (26/03) > Chargeback (25/06) > Liquidação do Chargeback (24/07)

<FinancialTransactions>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>6</Chargebacks>
            <Payments>0</Payments>
        </Events>
        <AcquirerTransactionKey>26208938621004</AcquirerTransactionKey>
        <InitiatorTransactionKey>66a36d2a05211308</InitiatorTransactionKey>
        <AuthorizationDateTime>20180326054446000</AuthorizationDateTime>
        <CaptureLocalDateTime>20180326024447020</CaptureLocalDateTime>
        <Poi>
            <PoiType>4</PoiType>
        </Poi>
        <Installments>
            <Installment>
                <InstallmentNumber>1</InstallmentNumber>
                <GrossAmount>100.000000</GrossAmount>
                <NetAmount>96.776100</NetAmount>
                <PrevisionPaymentDate>20180425</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>7546450012</Id>
                        <Amount>100.000000</Amount>
                        <Date>20180625</Date>
                        <ChargeDate>20180625</ChargeDate>
                        <ReasonCode>4837</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
            <Installment>
                <InstallmentNumber>2</InstallmentNumber>
                <GrossAmount>100.000000</GrossAmount>
                <NetAmount>96.776100</NetAmount>
                <PrevisionPaymentDate>20180525</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>7546450013</Id>
                        <Amount>100.000000</Amount>
                        <Date>20180625</Date>
                        <ChargeDate>20180625</ChargeDate>
                        <ReasonCode>4837</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
            <Installment>
                <InstallmentNumber>3</InstallmentNumber>
                <GrossAmount>100.000000</GrossAmount>
                <NetAmount>96.776100</NetAmount>
                <PrevisionPaymentDate>20180625</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>7546450014</Id>
                        <Amount>100.000000</Amount>
                        <Date>20180625</Date>
                        <ChargeDate>20180625</ChargeDate>
                        <ReasonCode>4837</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
            <Installment>
                <InstallmentNumber>4</InstallmentNumber>
                <GrossAmount>100.000000</GrossAmount>
                <NetAmount>96.776100</NetAmount>
                <PrevisionPaymentDate>20180724</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>7546450015</Id>
                        <Amount>100.000000</Amount>
                        <Date>20180625</Date>
                        <ChargeDate>20180724</ChargeDate>
                        <ReasonCode>4837</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
            <Installment>
                <InstallmentNumber>5</InstallmentNumber>
                <GrossAmount>100.000000</GrossAmount>
                <NetAmount>96.776100</NetAmount>
                <PrevisionPaymentDate>20180823</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>7546450016</Id>
                        <Amount>100.000000</Amount>
                        <Date>20180625</Date>
                        <ChargeDate>20180823</ChargeDate>
                        <ReasonCode>4837</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
            <Installment>
                <InstallmentNumber>6</InstallmentNumber>
                <GrossAmount>100.000000</GrossAmount>
                <NetAmount>96.776100</NetAmount>
                <PrevisionPaymentDate>20180924</PrevisionPaymentDate>
                <Chargebacks>
                    <Chargeback>
                        <Id>7546450017</Id>
                        <Amount>100.000000</Amount>
                        <Date>20180625</Date>
                        <ChargeDate>20180924</ChargeDate>
                        <ReasonCode>4837</ReasonCode>
                    </Chargeback>
                </Chargebacks>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactions>
<FinancialTransactionsAccounts>
    ...
    <Transaction>
        <Events>
            <CancellationCharges>0</CancellationCharges>
            <Cancellations>0</Cancellations>
            <Captures>0</Captures>
            <ChargebackRefunds>0</ChargebackRefunds>
            <Chargebacks>1</Chargebacks>
            <Payments>1</Payments>
        </Events>
        <AcquirerTransactionKey>26208938621004</AcquirerTransactionKey>
        <InitiatorTransactionKey>66a36d2a05211308</InitiatorTransactionKey>
        <AuthorizationDateTime>20180326054446000</AuthorizationDateTime>
        <CaptureLocalDateTime>20180326024447020</CaptureLocalDateTime>
        <Poi>
            <PoiType>4</PoiType>
        </Poi>
        <Installments>
            <Installment>
                <InstallmentNumber>4</InstallmentNumber>
                <GrossAmount>100.000000</GrossAmount>
                <NetAmount>96.776100</NetAmount>
                <Chargebacks>
                    <Chargeback>
                        <Id>7546450015</Id>
                        <Amount>100.000000</Amount>
                        <Date>20180625</Date>
                        <ChargeDate>20180724</ChargeDate>
                        <ReasonCode>4837</ReasonCode>
                    </Chargeback>
                </Chargebacks>
                <PaymentId>123321</PaymentId>
            </Installment>
        </Installments>
    </Transaction>
    ...
</FinancialTransactionsAccounts>

📘

Desangendamento do Chargeback

Chargebacks de desagendamento tem exatamente o mesmo comportamento de chargebacks normais, a diferença é que eles aguardam até o momento de vencimento da parcela para serem descontados.