Resolve

[ { "title":"Testing", "link":"https://docs.solidgate.com/payments/testing/", "text":"Simulate payments to test your integration before launching in production.", "imgSrc":"https://solidgate.com/wp-content/uploads/2022/06/icon-customizable.svg" } , { "title":"Create your payment form", "link":"https://docs.solidgate.com/payments/integrate/payment-form/create-your-payment-form/", "text":"Understand how to integrate the payment form into your product.", "imgSrc":"https://solidgate.com/wp-content/uploads/2022/06/icon-payments.svg" } , { "title":"Subscriptions", "link":"https://docs.solidgate.com/subscriptions/", "text":"Create and maintain a stable and healthy business subscription model.", "imgSrc":"https://solidgate.com/wp-content/uploads/2022/06/icon-global.svg" } ]

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Resolve
Quickly resolve disputes with instant refunds to customers

Solidgate empowers merchants to manage both fraud and non-fraud disputes proactively at the pre-dispute stage, safeguarding credit and debit portfolio dispute ratios.

  • Cardholder Dispute Resolution Network (CDRN)

    Verifi's Cardholder Dispute Resolution Network (CDRN) integrates with leading issuers to efficiently resolve disputed payments. It reduces chargebacks by giving merchants immediate notifications from issuing banks, enabling proactive action within 72 hours before disputes escalate.

    The closed-loop CDRN system directly links merchants and issuers, helping merchants quickly resolve cardholder issues, process chargebacks, and maintain strong customer relationships.

  • Rapid Dispute Resolution (RDR)

    Visa's Rapid Dispute Resolution (RDR) system prevents chargebacks before they occur by automatically refunding disputed transactions at the pre-dispute stage. RDR alerts are resolved automatically, requiring no action from merchants, and do not affect chargeback rates.

    Linked to the merchant's account via BIN and CAID, RDR ensures the accuracy of alerts, preventing false positives. Merchants can set custom rules in the decision system, such as refunds based on set thresholds for certain transactions.

  • Ethoca

    Ethoca acts as an early warning system for merchants by sending alerts through the Mastercard global network to prevent disputes from escalating into chargebacks.

    With timely alerts, merchants can respond quickly by refunding, stopping shipments, or canceling subscriptions, reducing chargeback risk and protecting their account and reputation.

Mastercom Collaboration
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Mastercom Collaboration offers a proactive approach to managing chargebacks, creating a dialogue between merchants, issuers, and acquirers early in the dispute process.

This initiative aims for quicker, more favorable resolutions, potentially avoiding chargebacks by establishing a new communication channel among all parties involved.

Mastercom Collaboration is a “pre-chargeback” warning system that alerts merchants when a transaction is disputed. This early warning enables merchants to assess whether issuing a refund is a viable solution to the cardholder’s complaint, potentially preventing a chargeback.

Process flow:

  1. Dispute Initiation: Issuers initiate the process by sending alerts to acquirers.
  2. Merchant response: Merchants are provided with a brief period to respond to the alert, with the option to issue a refund and potentially prevent a chargeback.
Key response options
  • accept and refund - acknowledge the dispute and refund the cardholder
  • decline - default to a first chargeback, which merchants can later contest through representment
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