Chargeback Prevention with Verifi

The challenge

Every chargeback costs a merchant the sale, a fee and a mark against its dispute ratio, and too many put its card acceptance at risk. Many disputes could be settled earlier, if the merchant heard about them in time and could act within the card networks' rules.

What we built

A dedicated chargeback-prevention service for a US payments-infrastructure company, integrated with Verifi's pre-dispute services. When a cardholder disputes a transaction, the dispute reaches the service before it becomes a chargeback. Merchant-defined rules decide whether to resolve it with a refund straight away, and the outcome is recorded against the original transaction. It runs separately from our Verifi Order Insight integration, which shares transaction detail with issuers.

How it works

• Pre-dispute notifications from Verifi received, validated and matched to the original transaction
• Merchant rules by amount, reason code, product and customer history decide whether to refund or let the dispute proceed
• Decisions returned inside the required response window, with idempotency so nothing is ever refunded twice
• Every case recorded with its rule, decision and outcome, feeding dispute-ratio reporting per merchant