The Dispute Management System (HİYS – Harcama İtirazı Yönetim Sistemi) is a system run among BKM members that enables transactions related to spending disputes, together with the supporting documents that need to be shared, to be linked to Domestic Clearing and Settlement System data and shared with the relevant members and BKM.
The order HİYS brings
The most common problem in dispute processes is the fragmentation of documents and information flow. By linking the dispute to the transaction data, HİYS allows banks to work in the same environment.
This makes it possible to track which stage a dispute is in, which document is awaited and how the deadlines are running. The risk of missing a deadline decreases, and records are kept for audit purposes.
For the cardholder, the process also moves faster and more transparently.
Who is involved in the process?
The cardholder applies to their bank, and the bank opens a dispute with the merchant's bank through HİYS. The merchant's bank forwards the necessary documents. The parties share the outcome while observing the deadlines.