# Mastercom
source: https://developer.mastercard.com/mastercom/product/mastercom/index.md

### Key features {#key-features}

![Easy to manage](https://static.developer.mastercard.com/content/mastercom/uploads/easy_to_manage.svg)

###### Provides full lifecycle support {#provides-full-lifecycle-support}

Create and manage disputes throughout the entire dispute lifecycle.
![Traceable](https://static.developer.mastercard.com/content/mastercom/uploads/traceable.svg)

###### Organizes disputes {#organizes-disputes}

Track all activities associated with a transaction under one Claim ID.
![Standard and secure](https://static.developer.mastercard.com/content/mastercom/uploads/standard_and_secure.svg)

###### Maintains security protocols {#maintains-security-protocols}

Utilize APIs that are standard, secured, and built on Mastercard security protocols.
![Standard and secure](https://static.developer.mastercard.com/content/mastercom/uploads/reports.svg)

###### Facilitates reporting {#facilitates-reporting}

Access reports to help process and manage disputes.
![Accessible reports](https://static.developer.mastercard.com/content/mastercom/uploads/efficientprocessing.svg)

###### Optimizes processing {#optimizes-processing}

Expedite and consolidate dispute resolution.

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### How it works {#how-it-works}

![how it works](https://static.developer.mastercard.com/content/mastercom/uploads/Mastercom_How_It_Works.jpg)

Issuers and acquirers use Mastercom to resolve disputed transactions by participating in Mastercom Collaboration and by creating chargebacks, second presentments, and cases as part of the dispute cycle. Mastercom helps facilitate efficient sharing of information during the dispute cycle to determine which party has financial responsibility for disputed transactions and allows funds to move between issuers and acquirers.

The Mastercom system

* Supports all events in the dispute lifecycle, from Collaboration to case filing
* Allows issuers and acquirers to manage all dispute events stemming from one first presentment under one claim
* Allows issuers to report confirmed fraud into the Fraud \& Loss Database
* Supports reversals and fee collection messages

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### Use cases {#use-cases}

![Participate in Collaboration](https://static.developer.mastercard.com/content/mastercom/uploads/participate_in_collaboration.svg)

###### Participate in Collaboration {#participate-in-collaboration}

The Collaboration process, occurring before the first chargeback clears, allows issuers, acquirers, and merchants to settle disputes quickly and efficiently.
![Create chargebacks](https://static.developer.mastercard.com/content/mastercom/uploads/create_chargebacks.svg)

###### Create chargebacks {#create-chargebacks}

An issuer can create a chargeback to return disputed funds to a cardholder. The acquirer can later create a second presentment to move the money back again.
![Create fee collections](https://static.developer.mastercard.com/content/mastercom/uploads/create_fee_collections.svg)

###### Create fee collections {#create-fee-collections}

Either party can create a fee to request payment from an issuer or acquirer.
![Check queues](https://static.developer.mastercard.com/content/mastercom/uploads/receive_notifs.svg)

###### Receive notifications {#receive-notifications}

See what claims need attention from your team.

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### Why use it {#why-use-it}

###### Shorten resolution time {#shorten-resolution-time}

### 72 hours

Shorten time frames for dispute resolution to days, instead of waiting for weeks or months

###### Reduce costs {#reduce-costs}

### 20%

Save in average chargeback processing costs, increasing automation and productivity with consolidated dispute processing

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### How our partners use Mastercom {#how-our-partners-use-mastercom}

Mastercom provides issuers, acquirers, and third parties with the tools necessary to resolve disputes successfully.

###### Issuers {#issuers}

Resolve disputes through Collaboration or by creating chargebacks and cases. Return funds to cardholders quickly and efficiently.

###### Acquirers {#acquirers}

Resolve disputes by representing invalid chargebacks and creating cases. Ensure that the correct party in the dispute assumes financial responsibility for the first presentment.

###### Third parties {#third-parties}

Process disputes on behalf of issuers and acquirers. Achieve quick and efficient resolution for cardholders.

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### Resources {#resources}

Mastercom

The Mastercom API consists of endpoints used to create and manage disputes for cleared dual message original transactions.

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**Used By** Issuers and Acquirers **Regions** Global **Supports** ![mastercard card](https://developer.mastercard.com/img/card_mastercard.svg) Mastercom Extended

The Mastercom Extended API consists of endpoints used by issuers and acquirers for Single Message System dispute processing. In the future, Mastercard will enhance this API with new endpoints to include additional functionality.

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**Used By** Issuers and Acquirers **Regions** United States, Canada, Latin America and the Carribbean, Middle East/Africa, and Asia/Pacific regions **Supports** ![mastercard card](https://developer.mastercard.com/img/card_mastercard.svg)![maestro card](https://developer.mastercard.com/img/card_maestro.svg)

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