Family B · Running products and operations
MeshFin Card
Cards issuing, authorisation and disputes
Cards issued, controlled and replaced; authorisations decided in real time by rule against the balance and the fraud score; disputes run to the scheme's reason codes and timetable; scheme files reconciled.
MeshFin Card (MF-11), the service for cards issuing, authorisation and disputes, is one of the twenty-four MeshFin services, in the "Running products and operations" family, which follows the BIAN Operations and Execution business area. It covers the BIAN service domains Credit Card, Corporate Card Service, Card Authorization, Card Transaction Capture, Card Transaction Tracking, Card Clearing, Card Financial Settlement and Card Network Participant Facility in whole or in part. Cards issued, controlled and replaced; authorisations decided in real time by rule against the balance and the fraud score; disputes run to the scheme's reason codes and timetable; scheme files reconciled. It replaces card management system add-ons, dispute spreadsheets, chargeback filing by hand and scheme reconciliation in spreadsheets. AI agents carry the work end to end; a named person takes every decision with legal or financial effect on a customer, the balance sheet or a regulatory obligation. It is core for a universal and retail bank, core for a mutual and community bank, common for a non-bank lender and fintech.
BIAN service domains this service covers
In the BIAN Operations and Execution business area of the Service Landscape 14.0, in whole or in part. Lay this over your own BIAN map to see what MeshFin Card covers and what stays. BIAN has not reviewed or endorsed MeshFin.
- Credit Card
- Corporate Card Service
- Card Authorization
- Card Transaction Capture
- Card Transaction Tracking
- Card Clearing
- Card Financial Settlement
- Card Network Participant Facility
What it replaces
- Card management system add-ons
- Dispute spreadsheets
- Chargeback filing by hand
- Scheme reconciliation in spreadsheets
What it reacts to
- Card applied for
- Authorisation requested
- Transaction declined
- Dispute lodged
- Card reported lost or stolen
- Scheme bulletin
- Chargeback deadline approaching
The agents that carry it
Issuing agent
Issues, replaces and controls cards, sets limits within policy and explains every decline in plain language.
Authorisation agent
Decides each authorisation in real time against the rules, the balance and the fraud score, deterministically and with the reason recorded.
Dispute agent
Assembles the evidence, applies the scheme's reason codes and timetable, and drafts the chargeback or the response.
Reconciliation agent
Reconciles scheme clearing and settlement files to the ledger and raises the breaks.
Where a person decides
No decision with legal or financial effect on a customer, the balance sheet or a regulatory obligation is taken by an agent alone. In MeshFin Card, these decisions are held for a named person, with the agent's evidence and recommendation attached.
| Decision | Who decides | Why a person |
|---|---|---|
| Chargeback filed or declined | Dispute officer | Scheme rules and money |
| Credit limit increase | Credit officer | Responsible lending |
| Release of a card from a fraud hold | Fraud officer | Financial effect |
Records it writes
Authorisation log with reasons · Dispute file with reason code · Scheme settlement reconciliation · Limit decision
Before MeshFin: the baseline this service is measured against
Illustrative figures for a mid-sized institution on the systems the service replaces. Sample data, not a customer's. A live service reports what its agents are doing instead.
Authorisations a day
1.9M
Declines explained
no
today; the customer rings
Disputes within the scheme deadline
88%
today
Dispute handling
35 min
per case today, mostly assembly
Institutions: core for a universal and retail bank, core for a mutual and community bank, common for a non-bank lender and fintech. Universal and retail bank ● · Mutual and community bank ● · Non-bank lender and fintech ◐.
Questions banks ask about MeshFin Card
- What does MeshFin Card do?
- MeshFin Card is the MeshFin service for cards issuing, authorisation and disputes. Cards issued, controlled and replaced; authorisations decided in real time by rule against the balance and the fraud score; disputes run to the scheme's reason codes and timetable; scheme files reconciled. It reacts to events such as card applied for, authorisation requested and transaction declined, and writes authorisation log with reasons, dispute file with reason code, scheme settlement reconciliation and limit decision as records.
- Which BIAN service domains does MeshFin Card cover?
- Credit Card, Corporate Card Service, Card Authorization, Card Transaction Capture, Card Transaction Tracking, Card Clearing, Card Financial Settlement and Card Network Participant Facility, in the BIAN Operations and Execution business area, in whole or in part. The mapping is to the published BIAN Service Landscape; BIAN has not reviewed or endorsed MeshFin.
- What systems does MeshFin Card replace?
- Card management system add-ons, Dispute spreadsheets, Chargeback filing by hand and Scheme reconciliation in spreadsheets. Because the service runs on the MeshFin platform, the licence, integration and upgrade costs of those systems retire with them.
- What do the AI agents do in cards issuing, authorisation and disputes?
- The issuing agent issues, replaces and controls cards, sets limits within policy and explains every decline in plain language. The authorisation agent decides each authorisation in real time against the rules, the balance and the fraud score, deterministically and with the reason recorded. The dispute agent assembles the evidence, applies the scheme's reason codes and timetable, and drafts the chargeback or the response. The reconciliation agent reconciles scheme clearing and settlement files to the ledger and raises the breaks.
- Which decisions does a person still take?
- Agents never take a decision with legal or financial effect on a customer, the balance sheet or a regulatory obligation. In MeshFin Card, a person decides chargeback filed or declined (dispute officer), credit limit increase (credit officer) and release of a card from a fraud hold (fraud officer). The record shows who decided, why, on what evidence and under which delegation.