An on-us transaction is a payment, card purchase, or check where the issuing bank (the customer's bank) and the acquiring bank (the merchant's or receiver's bank) are the same financial institution.Because the payment stays inside a single bank, it does not need to go through outside card networks like Visa or Mastercard. Professionals on LinkedIn reach a consensus that these transactions process faster and avoid extra fees. Any on-us transaction dispute is resolved within that bank, without the need for card network involvement.

On-us state machine

Like card network disputes, on-us disputes at Pismo use a state machine to progress the dispute to completion. An event enum is typically passed to Update on-us dispute to transition the dispute status to a new status.