Chargeback alerts by types
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Chargeback alerts by types
Explanation of the simplified process for all types of alerts handled by Chargebackhit


Chargeback alerts are delivered to the merchant before a claim is made and given them a chance to avoid it. The alerts inform the merchant that a chargeback is pending but has not yet been filed. In this case, the merchant may take independent actions to avoid the chargeback, such as a voluntary refund, and pass this information on to the issuer.

By bundling all the alerts on the market, we can assist merchants in getting involved in one of the first stages of the dispute-resolution process and resolving the issue without investing significant time into analyzing your disputes and, in addition, reducing your chargeback costs.

Alerts come from issuers or card schemes, and they are alerts issued by the user who initiated a chargeback. Overall simplified process for all types of alerts looks as follows: CBHit-1-4-3.png

The cardholder contacts the issuing bank to dispute a purchase.
Issuer returns notifications to the providers directly or via card schemes.
Providers notify Chargebackhit of the upcoming dispute.
Chargebackhit sends a request to the Merchant.
Chargebackhit notifies the merchant of the incoming chargeback. Then the merchant can decide whether to refund the customer, stop the order fulfillment, update the order information, or challenge the disputed transaction depending on the alert type.

Merchant completes actions and responds to Chargebackhit with an action taken, for example:

  • Match the alert to the transaction in the database
  • Refund the transaction
The response is sent back to Chargebackhit.
Chargebackhit provides a response according to alerts type.
Assuming the merchant wants to avoid a chargeback, they refund the purchase and/or stop order fulfillment.
The issuer receives the information, and under certain conditions, can stop the chargeback process.
The cardholder receives information or a response from the issuing bank that the money will be returned soon or receives additional information in real time about the transaction
Obtaining information can also help to stop the chargeback process.


Chargebackhit has a unified API for all kinds of alerts on the market. Currently, we offer the following products:

Cardholder Dispute Resolution Network’s (CDRN) unique and pateted, closed-loop process directly integrates with top issuers and provides unmatched service quality and accuracy for merchants and issuers to resolve disputed payments, dramatically minimizing chargebacks and cardholder dissatisfaction. CDRN receives immediate notifications from issuing banks about cardholder issues.
Verifi CDRN alerts lead to the freezing of the chargeback process for 72 hours.
Before a dispute can be registered, Visa will require issuing banks to make an Order Insight inquiry into the transaction. Order Insight sends transaction data from the merchant as it is gathered in real-time. This data contains delivery confirmations, purchasing device IDs, and even customer support interactions that link a cardholder to the purchase. Order Insight prevents disputes by aiding cardholder recognition and preventing friendly fraud.
Additional transaction data is displayed to cardholders in real-time on their online statement. Consumer Clarity helps issuers determine if a cardholder has made a purchase, both via contact center or mobile device real time (such as Order Insight).
When a fraudulent transaction is confirmed, issuers send a fraud alert, called a TC40 statement. TC40 tracks stolen card numbers and other identifiers for fraudulent transactions. The product also includes dispute notifications for already issued chargebacks, which you can receive more quickly than from the bank’s acquirers.
Disputes that have not been declined due to Consumer Clarity requests are routed through the issuer’s network and global Mastercard network (including Mastercard Collaboration) alert network before they become chargebacks. Merchants should check these alerts through their payment processor gateway. Refund alerts do not affect merchant accounts as negatively as chargebacks. Typically, merchants will refund, stop shipping, cancel subscriptions, etc.
If a dispute survives an Order Insight request, Visa has provided a “pre-dispute” phase where transaction details are sent to the merchant for automated review. Here, the merchant specifies certain conditions, the fulfillment of which can result in an automatic refund via Visa Response Online (VROL). Rapid Dispute Resolution (RDR) provides an immediate refund to the cardholder.


Alerts types are categorized as:

Type Definition
Chargebackhit sends you inquiry requests, initiated by the issuing bank, and we return additional merchant data to the Visa issuer when we match your available transaction data. If a transaction does not match, we send default data.
Chargebackhit asks the merchant to refund.
Chargebackhit notifies regarding the resolved dispute. The transaction is automatically credited to the cardholder and chargeback is prevented.

Inform types:

Type Definition
This is a Visa notification of a confirmed fraud event by the cardholder. No refund should be processed. For best practices we recommend suspending subsequent billings for the card holder.
This is received all Visa fraud and non-fraud disputes from a single course. For best practices, we recommend track dispute rates, improve link analysis, modeling, and dispute analytics.


Type Products Actions
  • Order Insight
  • Consumer Clarity
Alerts that require a response + transmission of additional data.
  • Matching
  • Response with the data
  • Timeout for prevent
  • CDRN
  • Ethoca
Alerts that require a response + refund action Products.
  • Matching
  • Refund the transaction or resolve with the cardholder
  • RDR
Post-factum notification of pre-dispute.
  • Verifi Inform
Notifies about the confirmed fraud case.
  • Verifi Inform
Notifies about dispute alert.

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