On this page
- Product suite overview
- CDRN — Cardholder Dispute Resolution Network
- RDR — Rapid Dispute Resolution
- Order Insight
- Compelling Evidence 3.0 (CE3.0)
- Integration with VAMP (as-of 2026-07-14)
- Benchmarks (as-of 2026-01-27 unless noted)
- Pricing (indicative — Verifi does not publish official pricing) (as-of 2026-01-27)
- Comparison with Ethoca (Mastercard)
- Merchant integration paths (as-of 2026)
- Upcoming Visa tools in pilot (as-of 2026-07-14)
- Key terms
Verifi
Verifi
Verifi is a Visa-owned company (acquired 2019) that provides pre-dispute resolution tools enabling merchants to prevent Chargeback|chargebacks before they are formally filed. Its core product suite — branded PREVENT, RESOLVE, and RECOVER — operates upstream of the standard chargeback cycle, intercepting disputes at the issuer level and offering merchants (or automated rules) the opportunity to resolve them without triggering a chargeback count or a Visa Acquirer Monitoring Program (VAMP)|VAMP ratio penalty.
Product suite overview
Verifi's three-layer suite (verifi.com, modified 2025-06-30):
| Layer | Product | What it does |
|---|---|---|
| PREVENT | Order Insight | Real-time transaction detail shared with issuers during cardholder inquiry; prevents dispute from being filed |
| RESOLVE | CDRN | Alert sent to merchant; 72-hour window to issue credit or let dispute proceed |
| RESOLVE | RDR | Automated rule engine resolves Visa pre-disputes in ~3 seconds without merchant action |
| RECOVER | Dispute Representment | Post-chargeback evidence submission (traditional Representment) |
Disputes resolved through CDRN or RDR, and inquiries resolved via Order Insight (including those qualifying under Compelling Evidence 3.0 (CE3.0)), are explicitly excluded from Visa Acquirer Monitoring Program (VAMP)|VAMP dispute ratio calculations — with an important nuance regarding fraud-coded disputes (see Contradictions below).
CDRN — Cardholder Dispute Resolution Network
Verifi's CDRN delivers a "delayed decisioning" alert to the merchant when an issuing bank receives a cardholder dispute instead of immediately converting it to a chargeback (verifi.com, 2025-06-30). Key mechanics:
- 72-hour window: merchant must issue a cardholder credit within 72 hours or the dispute proceeds as a chargeback
- Network coverage: approximately 1,000 issuing banks, primarily US-based; covers Visa and supplemental non-Visa issuers (Mastercard, Discover, Amex) (Chargebacks911, modified 2026-03-18)
- Resolution guarantee: disputes resolved via CDRN are not eligible for future disputes — they cannot resurface as chargebacks (verifi.com, 2025-06-30)
- No false positives: alerts are tied to pending chargebacks already in progress (Chargebacks911, modified 2026-03-18)
- Not acquirer-routed: CDRN resolution never reaches the acquirer (beastinsights.com, undated)
RDR — Rapid Dispute Resolution
RDR is an automated decisioning tool for Visa pre-disputes only. Merchants pre-configure rules (e.g., "auto-refund all disputes under $10," "auto-refund all subscription-cancellation reason codes") and the engine resolves qualifying cases in approximately 3 seconds without merchant intervention (2Accept, 2026-01-27; Stripe Docs, live 2026).
Key characteristics:
- Visa-only: RDR does not cover non-Visa issuers (beastinsights.com, undated)
- Issuer coverage: approximately 97% of North American Visa issuers; 83% global (2021-era data — stale-risk) (2Accept, 2026-01-27)
- Scope constraints: RDR does not support partial dispute resolution, nor disputes on already-refunded transactions; only full-amount disputes on unrefunded transactions qualify (Stripe Docs, live 2026)
- RDR Decision API: merchants can implement custom resolution logic via API instead of static rule sets (verifi.com, 2025-06-30)
- Acquirer-routed: unlike CDRN, RDR routes through the acquirer (beastinsights.com, undated)
Stripe states: "Resolved disputes don't count towards your overall dispute rates, helping you stay out of monitoring programs" (Stripe Docs, live 2026). This holds for non-fraud disputes — see Contradictions below on Reason Code 10.4 fraud disputes and VAMP.
Order Insight
Order Insight (originally launched as VMPI, 2017) is a real-time data platform that shares detailed transaction information with issuers the moment a cardholder queries a charge (Corepay, modified 2026-05-20; Stripe Docs, live 2026).
- Mandatory for Visa issuers since 2025: Order Insight became mandatory for all Visa issuers, achieving 100% Visa issuer coverage (2Accept, 2026-01-27)
- Data depth: merchants can share 120+ data elements including product descriptions, order numbers, device fingerprint, customer IP, 3DS results, AVS/CVV data, shipping details, and product images (Corepay, modified 2026-05-20)
- Pre-dispute block: when enrolled in Order Insight, Compelling Evidence 3.0 (CE3.0) can be applied pre-dispute to fully block a Reason Code 10.4 dispute from being filed — no fees, no ratio impact (Stripe Docs, live 2026)
- Deflection rate: 40–45% average deflection for confirmed first-party disputes (2Accept, 2026-01-27) (as-of 2026-01-27)
- Mastercard equivalent: Ethoca Consumer Clarity performs the same function for Mastercard issuers (Corepay, modified 2026-05-20)
Stripe's integration automatically delivers existing transaction data on the merchant's behalf; no separate developer integration is required beyond Dashboard enrollment (Stripe Docs, live 2026).
Compelling Evidence 3.0 (CE3.0)
CE3.0 is a Visa rule (introduced April 2023) that allows merchants to challenge Reason Code 10.4 fraud disputes by demonstrating prior undisputed transaction history with the same cardholder.
Core requirements (Chargebacks911, updated 2026-04-16; Stripe Docs, live 2026):
- Two prior undisputed, non-fraudulent transactions from the same cardholder
- Each prior transaction must be between 120–365 days older than the disputed transaction
- At least two matching data elements across all three transactions (device ID/fingerprint, IP address, email address, physical/shipping address, account login ID)
- At least one matching element must be IP address or device ID
CE3.0 pre-dispute vs. post-dispute outcomes (as-of 2026-04-16):
| Scenario | Monetary loss | Fees | Fraud ratio | Chargeback ratio |
|---|---|---|---|---|
| Pre-dispute via Order Insight (CE3.0 blocks dispute) | None | None | Not impacted | Not impacted |
| Post-dispute representment (CE3.0 wins) | Chargeback fees apply | Yes | Not impacted | Impacted |
Source: Chargebacks911, updated 2026-04-16
April 18, 2026 expansion: CE3.0 now covers non-disputed TC40 fraud reports — issuer fraud reports filed without a corresponding TC15 chargeback. These TC40s count against VAMP, and merchants can now challenge qualifying ones through Order Insight in Verifi (MerchantCostConsulting, 2026-07-14; Chargebacks911, 2026-04-15).
Planned October 24, 2026 expansion: CE3.0 will allow qualifying transactions from multiple merchants to serve as evidence — not just the same merchant's own history (MerchantCostConsulting, 2026-07-14). (as-of 2026-07-14 — forward-looking, unconfirmed by primary Visa source)
Automatic CE3.0 qualification via Visa Secure: from October 17, 2025, Visa began automatically qualifying transactions for CE3.0 using Visa Secure or Visa Data Only across all major regions (Checkout.com Blog, 2025-10-30).
Integration with VAMP (as-of 2026-07-14)
The Visa Acquirer Monitoring Program (VAMP)|VAMP ratio = (TC40 Fraud Reports + TC15 Disputes) ÷ Total Settled Transactions. The April 1, 2026 "Excessive Merchant" threshold is 1.5% (minimum 1,500 combined events; CEMEA remains at 2.2%) (Justt.ai, 2026-03-31; Chargebacks911, 2026-05-01). (as-of 2026-04-01)
| Tool | What is excluded from VAMP ratio |
|---|---|
| CDRN | Non-fraud TC15 disputes resolved pre-chargeback |
| RDR | Non-fraud TC15 disputes resolved pre-chargeback |
| Order Insight + CE3.0 (pre-dispute) | Both TC40 fraud reports AND TC15 chargebacks for qualifying 10.4 disputes |
| CE3.0 April 2026 expansion | Non-disputed TC40 fraud reports where CE3.0 criteria are met |
Sources: MerchantCostConsulting 2026-07-14; Chargebacks911 2026-05-01; Justt.ai 2026-03-31
Verifi also offers a TC40 data feed as a purchasable add-on, useful for merchants whose PSP does not provide TC40 visibility (Justt.ai, 2026-03-31).
Benchmarks (as-of 2026-01-27 unless noted)
| Metric | Figure | Source |
|---|---|---|
| RDR chargeback reduction (Visa stated average) | 34% | Visa via search snippet (undated) |
| RDR prevention (ChargebackGurus) | 50–70% of Visa chargebacks | ChargebackGurus blog (undated) |
| Verifi combined deflection for eligible disputes | 45–70% | Verifi via beastinsights.com (undated) |
| Order Insight deflection (first-party disputes) | 40–45% | 2Accept (2026-01-27) |
| CDRN + Ethoca + RDR combined | 65–75% | Forrester Wave Q2 2024 via beastinsights (stale-risk) |
| RDR issuer coverage (North America) | ~97% Visa issuers | Multiple sources (2026) |
| RDR issuer coverage (global) | ~83% Visa issuers | 2Accept citing 2021 data (stale-risk) |
| Order Insight issuer coverage | 100% Visa issuers (mandatory since 2025) | 2Accept (2026-01-27) |
Pricing (indicative — Verifi does not publish official pricing) (as-of 2026-01-27)
| Product | Indicative cost | Source |
|---|---|---|
| CDRN alert | ~$30–40/alert | beastinsights.com (undated) |
| RDR resolution (post-Jan 2025 flat rate) | ~$15–19/resolved dispute | ChargebackStop (updated 2026-06); 2Accept (2026-01-27) |
| Order Insight | Not publicly priced | — |
Comparison with Ethoca (Mastercard)
Ethoca is Mastercard's pre-dispute resolution network (acquired 2019), functionally equivalent to Verifi/CDRN for the Mastercard network (as-of 2026-03-18):
| Dimension | Verifi | Ethoca |
|---|---|---|
| Card network | Visa (+ some non-Visa via CDRN) | Mastercard (+ some non-Mastercard) |
| Issuer coverage | ~1,000 banks (CDRN); ~97% North American Visa (RDR) | ~5,000 banks, 70+ countries |
| Response window | 72 hours (CDRN); ~3 sec (RDR) | 24–48 hours |
| Transaction enquiry tool | Order Insight | Consumer Clarity |
| Alert overlap | 10–20% of Visa disputes may duplicate with Ethoca alerts | — |
Sources: Chargebacks911 (modified 2026-03-18); beastinsights.com (undated); Corepay (modified 2026-05-20)
Merchant integration paths (as-of 2026)
| Route | How | Timeline |
|---|---|---|
| PSP-native | Stripe, Adyen, Shopify Payments have built-in Verifi integration; enrollment via PSP Dashboard | 2–5 business days |
| Direct API | Merchant integrates with Verifi's API endpoints; CDRN enrollment requires seller agreement addendum | — |
| Acquirer-level | Integration through the acquiring bank | — |
| Third-party aggregators | Chargebacks911, Chargeblast, Disputifier, Chargeback.io provide unified Verifi + Ethoca dashboards with duplicate detection | 48–72 hours (aggregator onboarding) |
Sources: beastinsights.com; Stripe Docs (live 2026); Chargebacks911 (2026-03-18)
Upcoming Visa tools in pilot (as-of 2026-07-14)
Two new Visa tools in pilot — distinct from the Verifi product suite (MerchantCostConsulting, 2026-07-14):
- Visa Dispute Resolution Network (VDRN): a new pre-dispute handling service in pilot; general availability planned for late 2026
- Visa Dispute Recovery Manager: uses generative AI to automate Representment|representment and provide win-prediction scoring; pilot expansion planned for late 2026
Key terms
| Term | Meaning |
|---|---|
| TC40 | Fraud report filed by an issuer (does not require a corresponding chargeback) |
| TC15 | Formal chargeback filed against a merchant |
| CDRN | Cardholder Dispute Resolution Network — Verifi's alert-based manual pre-dispute tool |
| RDR | Rapid Dispute Resolution — Verifi's automated rule engine for Visa pre-disputes |
| Order Insight | Verifi's real-time transaction data sharing platform for Visa issuers |
| CE3.0 | Compelling Evidence 3.0 — Visa rule enabling fraud dispute deflection via prior transaction history |
| VAMP | Visa Acquirer Monitoring Program — Visa's unified fraud + dispute ratio monitoring programme |
| Ethoca | Mastercard's equivalent pre-dispute ecosystem |
| Reason Code 10.4 | Visa reason code: Other Fraud — Card-Absent Environment |
| VMPI | Visa Merchant Purchase Inquiry — original name for Order Insight (2017) |