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[Music] hello David here at merchant accounts dot CA today Im gonna talk a little bit about visas new claims resolution process its gonna replace that old charge back process thats been in place for many many years with the new streamline process that should make it faster for disputes to be resolved which is a benefit for card holders and merchants but really importantly its supposed to cut down on the number of charge bats charge backs that actually occur so well get into that and Ill explain but lets start well start by telling you this there is no more such a thing as a charge back going forward in as of April 15th Visa referred to these as disputes which makes more sense and in the past when you put all your paperwork together and sent it off to to fight the charge back it was called the represent mint and its no longer called that and how its called the dispute response again more sensible life is getting easier in terms of the actual process itself whats changing is