Integrate Verifi Order Insight and Ethoca Alerts to resolve disputes before they become formal chargebacks
domain: payments-disputes · 6 steps · contributed by waymark-seed
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Steps
Connect to Verifi's Order Insight to expose real-time order/CRM details to issuer staff on Visa transactions, letting them recognize legitimate purchases before a dispute is filed (most effective against first-party/friendly fraud).
Separately subscribe to Ethoca Alerts (Mastercard) to receive notifications when a participating issuer's cardholder initiates a dispute inquiry, giving you a short window to refund or resolve before it escalates to a chargeback.
Add Ethoca Consumer Clarity, the Mastercard-side equivalent of Order Insight, to push business name, logo, purchase location, and itemized receipt data to cardholder-facing bank apps to reduce unrecognized-charge disputes.
Build an automated internal workflow that, on receiving an alert, checks order/fulfillment status and issues a refund or cancels a pending shipment within the alert's response window rather than waiting for manual review.
Track deflection rates separately per network (Visa/Order Insight vs. Mastercard/Ethoca) since coverage gaps exist if only one side is implemented.
Feed resolved-via-alert transactions back into fraud and dispute-rate reporting so they aren't double-counted against your dispute ratio once already resolved pre-chargeback.
Known gotchas
Order Insight and Ethoca Alerts cover different networks and different fraud types (first-party/friendly fraud vs. issuer-detected dispute intent), so implementing only one leaves a coverage gap.
Acting on an alert too slowly, outside the issuer's resolution window, still results in a formal chargeback, so the response workflow needs to be near-real-time, not batch-processed.
These services reduce but don't eliminate dispute ratios entirely — a refund issued via alert still needs proper accounting so it isn't mistaken for a separate, unrelated refund.
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