Refund the dispute before it becomes a chargeback.
When a cardholder complains to their bank you normally find out weeks later, when the money has already gone. Alerts tell you within hours, while you can still do something about it.
The fee is the smallest part of it.
A chargeback takes the sale, the goods and a fee of $15 to $100 on top. That is the part merchants notice.
The part that closes accounts is the ratio. Visa and Mastercard both run monitoring programs, and once your disputes pass roughly 0.9% of transactions you are in one. That brings fines, mandatory remediation and eventually termination, which follows the business to its next processor and makes the next account harder to get.
Alerts work on that ratio directly. A dispute you refund never becomes a chargeback, so it never counts.
Three steps, and the middle one is yours.
The alert reaches us
You refund inside the window
The dispute stops there
Cover across the networks that matter.
Ethoca alerts
Verifi CDRN
Visa RDR
TC40 fraud data
What alerts do not do.
They do not cover every dispute. Coverage depends on whether the cardholder’s bank participates, and you pay per alert whether or not you would have won the case at representment.
For a merchant with two or three disputes a month it usually is not worth it, and we will tell you that rather than sign you up. The merchants this pays for are the ones running a meaningful dispute rate, or already carrying a warning from their processor.
We confirm pricing and expected coverage in writing before anything is switched on. Creating an account commits you to nothing.
Common questions
Do I have to refund every alert?
No. You decide. If the sale is genuine and you would rather fight it, tell us that instead and we record the reason. That matters, because the alert networks credit alerts differently depending on the outcome reported.
How quickly do I need to act?
Usually within 24 hours for Ethoca and up to 72 for CDRN. The portal shows a countdown on every alert and flags anything that has run out of time.
Do you refund on my behalf?
Only if you ask us to and put it in writing. We would rather you did it in your own system, because you can see the order and we cannot. If you want us handling it, we assign an account manager and agree the authority first.
What if I am not a VOXEPAY merchant?
That is fine. Protection works alongside whoever processes your payments. You will need your descriptor and a couple of identifiers from your statement.
When does it actually start working?
Ethoca and CDRN in about 5 to 7 days from enrolment. RDR in about 14 to 15, because Visa run that one. Until each goes live nothing changes, so keep handling disputes the way you do now.
Stop paying for disputes you could have refunded
Four fields to create your account. Then we ask for your descriptor and a couple of numbers from your statement, and we take it from there.