Chargebacks & Disputes · Use case

Prevent chargebacks with pre-dispute alerts

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Short answer

Pre-dispute alerts reach you when a cardholder contacts their bank, before a chargeback is filed. Refunding or sharing order information at that point avoids the chargeback, its fee and its effect on your dispute ratio — at the cost of a per-alert fee.

What this use case is

Pre-dispute alerts reach you when a cardholder contacts their bank, before a chargeback is filed. Refunding or sharing order information at that point avoids the chargeback, its fee and its effect on your dispute ratio — at the cost of a per-alert fee.

Who builds this

High-volume merchants
Subscription businesses
Travel and digital goods
Merchants near scheme thresholds

What your customer sees

  1. 1A faster refund or clearer order information when they query a transaction

How Chargebacks & Disputes solves it

1

Cardholder queries a transaction

Cardholder queries a transaction

2

Alert or information request sent to the provider

Alert or information request sent to the provider

3

Order information shared or refund issued automatically by your rules

Order information shared or refund issued automatically by your rules

4

Dispute avoided

Dispute avoided

5

Outcome reported

Outcome reported

Want to have

  1. Coverage of the main alert and order-information networks
  2. Rules for automatic refunds
  3. Order-data integration
  4. Reporting on avoided disputes and cost

Optional

  1. Descriptor management
  2. Combined alerts and representment

Design decisions

Policy

Refund all alerts
Rules by value and reason

simplicity versus cost.

What to put in your RFP

Networks covered

  • Networks covered

Rules

  • Rules

Integrations

  • Integrations

Reporting

  • Reporting

Per-alert pricing

  • Per-alert pricing
Add these to an RFP

How to evaluate providers for this use case

  1. 1Network coverage
  2. 2Cost per avoided dispute
  3. 3Automation

Pitfalls

  • Paying for alerts on low-value transactions
  • Duplicate refunds when alerts and disputes overlap

What providers will ask you

  1. Dispute volumes
  2. Average transaction value
  3. Scheme monitoring status

Other Finlane categories that cover parts of this

This use case is solved mainly with Chargebacks & Disputes. These categories cover specific parts of it and can be tendered alongside it.

Payment Processing & Acquiring

Descriptor and refund handling

Fraud & AML Monitoring

Stopping fraud before it reaches disputes

Frequently asked questions

Other Chargebacks & Disputes use cases

Automate representment

Assemble compelling evidence packages and file responses within scheme deadlines without manual work.

Analyse dispute root causes

Cluster disputes by reason code, merchant descriptor and issuer to fix upstream product or ops issues.

Scope prevent chargebacks with pre-dispute alerts with Chargebacks & Disputes providers

Scope this use case