Chargeback Prevention on Autopilot

Pre-dispute alerts from Ethoca, Verifi CDRN and Visa RDR, matched to your original transaction and refunded before the chargeback ever posts.

Protect My MIDs All Solutions

Hourly Alert Pulls

Every enrolled MID is checked hourly across all three alert networks. New alerts land in your dashboard with amount, last four, descriptor, reason code and ARN.

Auto-Match & Refund

FloPay owns your payment ledger, so it finds the original transaction by last four, amount and date, refunds it through the gateway, and closes the alert.

Daily Digest

Owners and finance get a daily summary of every new alert and its refund status. Add any CC list you like per business.

Why Chargebacks Cost More Than the Refund

A chargeback is never just the disputed amount. Every one carries a processor fee, usually in the $15 to $100 range, and every one counts against the ratio the card networks use to decide whether your merchant account stays open. Cross the threshold and you enter a monitoring program with monthly fines. Stay there and the acquirer closes the MID.

The card networks built pre-dispute alert programs to give merchants a way out. When a cardholder calls their bank, an alert is sent to the merchant first. If the merchant refunds inside the window, the case is resolved and the chargeback never posts. The catch: someone has to watch three different alert portals, find the matching transaction, issue the refund, and report the outcome, all inside a tight deadline.

FloPay does all of that for you.

How It Works

Enroll once. FloPay handles the rest.

Enroll Your MIDs

Register each merchant account with its descriptor variations, BIN, CAID and MCC. Turn on Ethoca, RDR and CDRN per MID. Multi-store and multi-MID businesses are supported.

Alerts Arrive

FloPay pulls new alerts every hour over a rolling 30-day window and stores each one once, with the full network payload attached.

Refund & Report

Matching alerts are refunded through your gateway automatically, then reported back to the network as stopped so the case closes and no chargeback posts.

What You Get

Alert Coverage

  • Ethoca alerts (Mastercard and participating issuers)
  • Verifi CDRN alerts (Visa)
  • Visa Rapid Dispute Resolution (RDR) auto-resolved cases
  • Descriptor matching with exact or starts-with rules
  • Amex and Discover identifiers captured at enrollment
  • Rolling 30-day lookback so nothing is missed

Automation & Safety

  • Auto-refund on or off per business, with match-only mode
  • Original payment found by last four, amount and date window
  • Outcome reported to the network as refunded or cannot refund
  • RDR cases blocked from a second refund so customers are never paid twice
  • Alerts linked to the chargeback they became, when one still posts
  • Chargeback cases tracked with status, response due date and PDF

One Inbox for Every Dispute Signal

Alert Inbox

A paged, newest-first view of every alert for the selected business, with unread badges, mark-all-read, and one-click Refund, Already Refunded and Can't Refund actions.

Alert-to-Chargeback Linking

When a chargeback still posts, FloPay links it to the originating alert by ARN, auth code, order reference or card and amount, and blocks refunding the same money twice.

Case Tracking

Actual chargebacks are downloaded hourly over a 120-day window with status (under review, won, lost, needs response), reason, processor and the response document.

Built for Merchants Who Cannot Afford a Lost MID

Ideal For

  • High-risk and card-not-present merchants
  • Subscription and installment billers
  • Insurance agencies and premium finance
  • Warranty, travel, and ticketing businesses
  • ISOs protecting a portfolio of merchant accounts

The Business Case

  • Every prevented chargeback saves the processor fee on top of the sale
  • Ratios stay below network monitoring thresholds
  • No staff time spent in three separate alert portals
  • Refund deadlines are met automatically, around the clock
  • Finance sees exposure daily without logging in

Ready to stop chargebacks before they post?

Enroll your MIDs in Ethoca, CDRN and RDR through one form and let FloPay handle the refunds.

Talk to Sales

Frequently Asked Questions

  • Do I need separate contracts with Ethoca and Verifi?

    No. FloPay enrolls your MIDs through our dispute-alert network partner, so one enrollment form covers Ethoca, CDRN and RDR. You choose which programs each MID participates in.

  • The alert stays open in your inbox for a person to review. You can refund it manually, report it as already refunded, or report that it cannot be refunded with a reason. The outcome is sent back to the network either way.

  • Yes. Auto-refund is a per-business setting. With it off, FloPay still finds and displays the matching transaction so your team can decide, and the daily digest still goes out.

  • No. Alerts prevent chargebacks from posting. For chargebacks that do post, FloPay tracks the case, its due date and the response document so your team can respond in time.

  • Alert network fees apply per alert received. Contact sales for pricing based on your volume and dispute history.

Talk to Sales About Chargeback Prevention

Tell us your monthly volume and current dispute ratio and we will map out the savings.

Location:

8 The Green, STE B

Dover, Delaware, 19901

Get a chargeback prevention quote

Fill this out and a FloPay specialist will reach out, usually the same business day.

Your request goes straight to sales@flopay.co. No spam, no newsletters.