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

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. This helps merchants resolve cardholder issues, process chargebacks, and maintain strong customer relationships.

RDR

Visa’s Rapid Dispute Resolution (RDR) system automatically refunds disputed transactions at the pre-dispute stage via the Visa Resolve Online platform, preventing them from turning into chargebacks and keeping the merchant’s chargeback ratio unaffected.

Once a customer initiates a dispute, RDR automatically issues a refund from the merchant’s reserve via the connected MID. This chargeback Guide
Chargeback statuses indicate the different stages of the chargeback process, including investigation and resolution. status is marked as resolved and require no action from the merchant.

The RDR system is linked to the merchant’s acquiring account using BIN and CAID, ensuring accurate matching and preventing false positives. Merchants can also set custom rules to control which transactions are refunded automatically based on predefined thresholds.

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

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 allows merchants to assess whether issuing a refund is a viable solution to the cardholder’s complaint, potentially preventing a chargeback.

Process flow: