Alert Webhook helps merchants reconcile transactions by processing alert outcomes and responses. The process ensures accurate matching of alerts to transactions, supporting dispute resolution.

• Update response outcome API
  Update alert outcomes by alert universally unique identifier (UUID).
• Get alert by ID API
  Retrieve detailed information about a specific alert using its UUID.
• Retrieve alerts list API
  Fetch alert lists filtered by type, outcome, provider, product, transaction, or merchant, with pagination.
• Receive alert Webhook
  Receive notifications on alert events to automate responses.

Alert flow

Chargebackhit delivers chargeback Glossary
Chargeback notifications are messages informing the merchant that a chargeback has occurred or is about to occur. alerts to the merchant before a claim is made, giving them a chance to avoid it. The alerts inform the merchant that a chargeback is pending but not yet filed. In this case, the merchant can take independent actions to avoid the chargeback, such as a voluntary refund, and pass this information to the issuer.

Alerts are issued either by issuers or card schemes and originate from customers who have initiated a chargeback. Here is a simplified overview of the process for all types of alerts:

Alert products

Chargebackhit provides alert Webhook notifications. Its products include:

Verifi CDRN

Cardholder Dispute Resolution Network’s (CDRN) patented closed-loop process integrates directly with issuers. It helps merchants and issuers resolve disputed payments while minimizing chargebacks and cardholder dissatisfaction. CDRN receives immediate notifications from issuing banks about cardholder issues.

Verifi CDRN alerts freeze the chargeback process for 72 hours.

Verifi Order Insight

Before a dispute can be registered, Visa requires issuing banks to make an Order Insight inquiry into the transaction. Order Insight sends the 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 and

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by aiding cardholder recognition.

Consumer Clarity

Consumer Clarity displays additional transaction data to cardholders in real time on their online statement. It helps issuers verify if a cardholder made a purchase in real time. Verification can happen through a contact center or a mobile device, such as Order Insight.

Verifi Inform

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 Visa product also includes dispute notifications for already-issued chargebacks, which you can receive more quickly than from the acquirers.

Ethoca

Before becoming chargebacks, disputes not declined through Consumer Clarity requests are routed through the issuer’s network and Mastercard’s alert network, including Mastercard Collaboration. Merchants should check these alerts through their payment processor gateway. Refund alerts do not affect merchant accounts as negatively as chargebacks. Typically, merchants refund, stop shipping, or cancel subscriptions.

RDR

If a dispute survives an Order Insight request, Visa offers a pre-dispute phase where transaction details are sent to the merchant for automated review. The merchant can define conditions that, if met, trigger an automatic refund through Visa Response Online (VROL). Rapid Dispute Resolution (RDR) provides an immediate refund to the cardholder.

Compelling evidence 3.0

The key value of Compelling evidence 3.0 in the Chargebackhit system is to help merchants prevent disputes. It provides supporting evidence for disputed transactions, which can lead to a more favorable outcome.

PayPal

PayPal pre-dispute alerts help merchants prevent chargebacks and simplify dispute resolution. PayPal alerts apply only to external dispute cases when customers dispute charges through their bank or card issuer, rather than through PayPal’s internal dispute system.

Alert types

Alert types represent the notifications merchants receive when a potential chargeback is detected but not yet filed. They help proactively address the issue and avoid the formal chargeback process. Each alert type serves a specific purpose, whether providing detailed transaction information to cardholders, facilitating voluntary refunds, or reconciling disputes.

Outcome types

There are several outcome types associated with alerts. Each outcome type provides a status update about the related transaction, allowing merchants to track the progress and resolution of disputes.

Interaction