Debit Memo Working Group

Debit Memo Working Group (DMWG)

The Debit Memo Working Group (DMWG) works to unify the travel industry by simplifying processes and forging new solutions related to debit memos.

DMWG stakeholders come from various segments of the travel industry—travel agencies, airlines, system providers and other key industry sectors. With a wealth of air travel industry experience and diversity, the DMWG, facilitated by ARC, tackles key issues related to debit memos, finding common solutions to optimize the way debit memos are handled.

Debit Memo Working Group

Upcoming Meeting

The next in-person meeting of the Debit Memo Working Group will take place October 18, 2017, at the Marriott Marquis Washington, D.C., prior to ARC's TravelConnect conference.

Priorities for 2017

  • Addressing fare filing issues that result in debit memos, and prioritizing high-level areas of focus based on data
  • Establishing industrywide best practices for the debit memo process
  • Mapping standardized debit memo reason codes for 20 additional carriers in Memo Analyzer
  • Evaluating a credit card chargeback management tool

Highlights From the Last Meeting

The last in-person meeting of the DMWG was May 8, 2017, with an emphasis on fare filing and best practices. The meeting agenda and minutes can be downloaded below.

Latest Updates

Debit Memo News


Following a webinar on how travel agencies can reduce debit memos, Delta
has provided a set of resources and guidelines.


With a renewed focus on fare filing issues and industry best practices, the DMWG is making significant strides in its effort to reduce debit memos.


ARC's Debit Memo Working Group (DMWG) is working to optimize fare filing and create a set of industry best practices.

Web-based Tool

The launch, which includes the DMWG's established debit memo reason codes, marks the culmination of more than two years of collaboration.

Comprehensive Data

United works toward a goal of eliminating debit memos, to the extent possible, by participating in the DMWG.


DMWG History and Mission

The DMWG's Mission

The DMWG's mission is to improve the efficiency of the debit memo process, and ultimately reduce the volume of invalid memos, by working together for common solutions that benefit the industry as a whole.

How has the DMWG impacted the air travel industry?

The DMWG's work is ongoing, with meetings held every two months by phone, and twice annually in person. There have been a number of significant accomplishments since the DMWG was established in 2013. Here are a few highlights:

  • The launch of Memo Analyzer, an online tool that provides insight into memos and ticketing data for agents, carriers and system providers. As of August 2017, Memo Analyzer has mapped standard debit memo reason codes for 23 major carriers, with more carriers to be added in the near future.
  • The creation of standard debit memo reason codes. After manually reviewing over 44,000 memos to identify patterns and root causes in debit memos, the DMWG established standard debit memo reason codes that are now used throughout the industry. These standardized codes have now been implemented in Memo Analyzer, and the ultimate goal is to incorporate these codes in Memo Manager, as well.
  • VISA initiates industrywide change by amending rules to help reduce credit card fraud by accepting airline-supplied flight manifests as a remedy for fraud-related credit card chargebacks. Since this change, Mastercard has begun accepting flight manifests as compelling evidence for fraud-related chargebacks.

Connect with the DMWG

DMWG Inquiries


Shelly Younger

Manager, Settlement Services