TOTAL DISPUTE MANAGEMENT

Are you losing revenue to friendly fraud and chargebacks? If you’re processing their debit and credit cards, Visa and Mastercard have solutions to these problems. In order to use them effectively, you have to integrate these solutions into your transaction stream.

Let’s take a look at each of the components that address the various disputes and chargebacks that are costing you, and how ChargebackHelp integrates total dispute management all under ChargebackHelp Plus.

Shortcut to CBH+Deflect
Shortcut to CBH+Resolve section
Shortcut to CBH+Recover
Shortcut to CBH+Deflect
Shortcut to CBH+Resolve section
Shortcut to CBH+Recover

DEFLECT DISPUTES

Deflect Icon
Deflect Icon

CBH+DEFLECT connects merchant product information and fulfillment data to the cardholder’s online statement in real time. If a cardholder doesn’t recognize your transaction, or needs to confirm they received it, that information can be accessed beneath the statement descriptor. This clarification validates your transactions with the cardholder and their bank at the point of inquiry, before a dispute is raised.

Cardholders get deeper information to recognize transactions Issuer call centers can catch friendly fraud before it becomes a dispute

CBH+DEFLECT INTEGRATIONS

Verifi has branded its suite of deflection products as “Prevent”. Currently, Prevent is composed of two modules: Order Insight and legacy Visa VMPI (VMPI was merged under Order Insight upon Visa’s acquisition of Verifi). These integrations enhance online statement descriptors with delivery confirmations, product and merchant info, and cardholder information such as device ID and IP address.

Mastercard has a similar module, without all the branding and acronyms. The routing of compelling evidence is managed for Mastercard by Ethoca’s Consumer Clarity. Like Order Insight, Ethoca sends merchant compelling evidence on demand to the cardholder statement, including your logo displayed by your descriptor for better brand recognition.

RESOLVE FRAUD

CBH+RESOLVE allows the merchant to credit fraudulent transactions to avoid chargebacks. Merchants can set rules to automate the process, resolve disputes manually themselves, or have us take care of it, depending on their needs.

Resolve merges all dispute alerts and fraud notifications, matching them to their source transaction so you’re not refunding duplicate notices.

CBH+DEFLECT INTEGRATIONS

RDR: Verifi’s Rapid Dispute Resolution precedes dispute and fraud alerts. Merchants create rulesets that trigger automatic refunds for certain transactions that are reported as fraudulent. CDRN: This is Verifi’s legacy system of dispute alerts that precede chargebacks. Disputes that are not deflected or resolved by RDR become alerts.

Again, mastercard offers similar solutions to Visa, with less branding. They do not have an equivalent to RDR, but Mastercard’s SAFE data fraud data is distributed by MasterCom. Alerts are send by their subsidiary, Ethoca, which provides a platform similar to Verifi’s CDRN.

RECOVER REVENUE

CBH+RECOVER helps merchants reclaim revenue lost to friendly fraud, the fastest growing problem within the dispute ecosystem. Friendly fraudsters make a purchase, receive the product or service, and then report the transaction as fraud to steal back the money. It can affect any merchant whether high-risk or low, and typically attacks digital and subscription products and merchants of high-dollar items.

Recover merges all relevant transaction data to each chargeback to evaluate if a representment success is likely. For those cases, RECOVER automatically sends with the compelling evidence to tie the cardholder to their purchase to overturn the chargeback.

CBH+RECOVER INTEGRATIONS

  • Delivery Confirmations
  • Cardholder IP Address
  • CRM Data
  • 3DS authorizations
  • Purchasing device ID
  • Customer support logs

All these datapoints can be captured and organized into effective rebuttal letters required to overturn chargebacks. Regardless where the information comes from, Recover can configure it together and send it to the merchant’s acquiring bank for representment.


GET TOTAL DISPUTE MANAGEMENT

That’s a lot of information to digest. You likely would have preferred all this to be reduced to a single paragraph, and then get back to making money.

Well, that’s exactly what CBH+ does for merchants. It builds all these solutions into a single managed integration, so you can deal with disputes effectively and move on to more important things. And with all your dispute management in one place, that means all your dispute data is also in a single endpoint. In addition to a single integration, CBH+ provides you with the data you need to reduce disputes, improve customer service, and drive down costs.

CBH+ Deflect logo
CBH+ Deflect logo
CBH+ Resolve Logo
CBH+ Resolve Logo
CBH+ Recover logo
CBH+ Recover logo

ChargebackHelp is in the business of following these complex developments in the payments industry. Our dispute management portal ChargebackHelp Plus was created to manage the ever-evolving products that help protect your merchant accounts from fraud and chargebacks. Regardless of acquisitions, branding, or more direct challenges like security vulnerabilities in these new platforms, CBH+ seamlessly manages the integrations and maintenance so merchants can focus on their core business.

ChargebackHelp provides custom chargeback prevention solutions that deflect disputes, resolve alerts, and recover merchant revenue lost to fraud. Our streamlined processes save our merchants from costly fees, penalties, and the risk of losing their credit card processing. Contact us for a free chargeback analysis and see what ChargebackHelp can do for you!

Protect your business from fraud and chargebacks.

Contact ChargebackHelp today!


Get Total Dispute Management

  • Save time and money for your core business
  • Prevent disputes immediately
  • Resolve alerts more efficiently
  • Recover revenue more effectively