Send us your processor and rough monthly volume. We will confirm which of your MIDs the networks can cover, and what it costs, before anything is switched on.
A chargeback starts as a phone call to the bank. Verifi and Ethoca pass that call to us within minutes, which gives you 24 to 72 hours to settle it. Do that and the chargeback is never filed at all.
Notice before the chargeback is filed
Alert networks in a single feed
Verifi CDRN and Ethoca Alerts.Ratio impact from an alert resolved in time
Cover, because issuers do not keep office hours
Four stages against one clock. Most of them run without anyone on your side touching a keyboard.
The issuer passes the query to Verifi or Ethoca and it reaches us within minutes. Transaction, amount, descriptor, reason code and the deadline all arrive with it.
It is tied back to the order in your platform, then checked against delivery proof, refund history and any earlier disputes from the same cardholder.
Under your auto-refund threshold the refund goes out on its own. Above it you get a recommendation with the reasoning behind it, and the call stays yours.
The resolution reaches the issuer inside the window and the chargeback is never raised. No fee, no ratio hit, no evidence pack to build.
An illustration of the feed, with sample data. Miss the deadline and nothing is lost that was not already lost: the dispute simply carries on as an ordinary chargeback.
Nothing about the customer changes. The only difference is whether you found out in time to do something about it.
| Without alerts | With ChargeGuard alerts | |
|---|---|---|
| When you find out | Days or weeks later, when the chargeback notice reaches your processor | Minutes after the cardholder calls their bank |
| What it costs | The sale, the goods, the chargeback fee and the hours spent fighting it | The refund, plus the alert fee. Nothing else |
| Dispute ratio | Counted against you whether you win the case or not | Never counted, because no chargeback is filed |
| Fulfilment | Usually shipped long before you hear anything | Often still in the warehouse, so the stock stays yours |
| The customer | Waits out a bank process and rarely comes back | Refunded within a day, and sometimes stays |
| Your team | Builds an evidence pack against a deadline nobody chose | Approves a decision, or lets the rule handle it |
Alerts do not replace representment. They clear out the cases that were never worth fighting, so representment can be aimed at the ones that are.
They come from different places and behave differently. Running only one of them leaves a gap, so we run all three against the same account.
The cardholder does not recognise a charge and rings the bank. Through Verifi the issuer asks us for the order detail first. Often the billing descriptor is the whole problem, and a straight answer ends it without a refund.
Ethoca sends these once the issuer has already confirmed the transaction as fraud. There is no case to win. What matters is refunding fast and pulling the order before it ships, so you are not out the money and the goods.
Rules based and fully automatic. You decide in advance which Visa disputes should simply be refunded, by amount and category. Qualifying cases then resolve at Visa with no alert to action and nobody to notify.
Four identifiers enrol you. We collect them from your acquirer, you do not have to find them.
An illustration of the alert view. Sample data, not a real merchant.
The clock starts the moment it arrives, and plenty of them land outside working hours. So you choose how they reach you, and what happens when nobody answers.
The refund still costs you the sale. Everything stacked on top of it is what alerts take away.
A chargeback takes the sale and then adds a fee on top of it. An alert costs you the refund and the alert. That is the whole bill.
Resolved alerts never become chargebacks, so they never enter the ratio the card networks measure your account on.
Fraud alerts often arrive before dispatch. Cancel the order in time and you lose nothing at all, which beats winning the case later.
The customer has their money back in a day rather than six weeks, and your acquirer sees an account that resolves things quietly.
Anyone selling alerts as the complete answer is overselling them. Three things are worth knowing before you sign anything.
With customizable dashboards and automated alerts, our team can finally respond to disputes strategically instead of reactively.
Their chargeback reports helped us cut losses significantly. We now act faster, win more disputes, and stay ahead of fraud trends effortlessly.
We had no idea how much money we were losing to avoidable chargebacks. The reports gave us clarity and control we didn’t know we needed.
If the question is about your own MIDs or your own numbers, ask it directly. An analyst answers, not a chatbot.
Ask us insteadSend us your recent dispute data. We will run it against both alert networks and show you which cases would have reached you as an alert first, what resolving them would have cost, and what they cost you instead.
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