Vortex Release Version (March 1, 2026)

• Chargeback webhook processing now supports multi-platform Stripe accounts, enabling correct dispute handling across multiple platform accounts. When a dispute is created, the system reverses the original transfer or transfers and generates a country-specific dispute fee transfer of 15 USD for USA merchants or 15 CAD for Canadian merchants, ensuring proper fund reconciliation and accurate fee handling.

• SMS PIN debit funding for merchants funded via Passport with TSYS now routes funds to the merchant’s Passport routable account instead of a generic processor funding account. The system retrieves the merchant’s Passport account details and applies them during funding, preventing funds from remaining in jar accounts and ensuring correct settlement.

• Visa network message logic has been updated to include DE 48.11 only for secondary transactions such as voids, returns, and adjustments when the original transaction network is Interlink. The field is no longer sent for other Visa debit networks, preventing invalid field rejections during secondary transaction processing.

• The Visa SMS funding CSV file sent to ach.com now populates the Individual ID field using the merchant’s Card Acceptor ID rather than the external ID. This aligns with indexing requirements for UAR retrieval, improves ACH reject mapping to merchant profiles, and corrects funding bot logic for current and future SMS funding scenarios.

Impact

These updates enhance dispute processing across multiple Stripe platforms, improve funding accuracy for Passport merchants, reduce network message rejections, and strengthen ACH reconciliation and reporting accuracy. Together, they increase reliability, financial accuracy, and operational consistency across SMS settlement and chargeback workflows.