When a cardholder disputes a charge with their bank, the issuer sends a notification through Verifi CDRN, Visa RDR, or Mastercard Ethoca hours before a formal chargeback is filed. Worthy receives the alert, matches it to the original charge, and resolves the dispute on a configurable workflow. The chargeback never posts and your network ratios stay clean.
Alert Resolution Performance
95% issuer coverage
< 2h median alert time
89% auto-resolved
Three steps, one
fewer chargeback
Worthy connects to every major alert network on day one. When an alert arrives, it gets matched to the original charge, evaluated against your configured resolution rules, and acted on within seconds. Most merchants run fully automated.
step 01
Receive the alert
Worthy ingests notifications from Verifi CDRN, Visa RDR, and Mastercard Ethoca through certified webhook integrations. Alerts arrive within hours of the cardholder dispute, days ahead of the formal chargeback window.
step 02
Evaluate against your rules
Each alert is scored against your resolution workflow: auto-refund below a threshold, hold high-risk merchant categories for review, route specific reason codes to manual queues. You configure the logic, Worthy executes.
step 03
Resolve and report
The refund posts to the cardholder, the alert is closed with the network, and the resolution is logged against the original charge. The chargeback never gets filed and your network ratios remain unaffected.
Different issuers participate in different networks. Worthy connects to all three on day one, so coverage is set by the issuer, not by your processor. Median issuer coverage across active alert programs exceeds ninety-five percent of inbound disputes from US and EU cardholders.
MASTERCARD · ISSUER-LED
VISA RDR
Visa's automated dispute resolution program. Eligible disputes are resolved by Visa according to your pre-configured rules without any merchant action required. Resolution is instant and immutable.
COVERAGE :
Visa exclusively
ALERT WINDOW :
Instant resolution
FORMAT :
Rule-based · pre-authorized
MASTERCARD · ISSUER-LED
ETHOCA
Mastercard's primary pre-chargeback notification service, with strong coverage across Mastercard issuers globally. Alerts include the dispute reason, cardholder claim summary, and refund-eligibility flags.
COVERAGE :
Mastercard primary · global
ALERT WINDOW :
24 - 72 hours
FORMAT :
Webhook · structured JSON
VISA · MAJOR ISSUERS
VERIFI CDRN
Verifi's collaborative network covers most major Visa issuers and a growing number of Mastercard issuers. Alerts typically arrive within ninety minutes of the dispute and remain open for seventy-two hours
COVERAGE :
Visa primary · Mastercard secondary
ALERT WINDOW :
72 hours
FORMATWebhook :
Webhook · JSON
A chargeback carries direct fees, lost merchandise, and ratio impact that compounds across thousands of charges. Resolving the dispute at the alert stage produces a single refund and ends the cycle. The math is rarely close.
PER 1,000 DISPUTED CHARGES · AVERAGE TICKET $49
WITHOUT ALERTS
REACTIVE POSTURE
Chargeback fees · 1,000 × $25:
$25,000
Lost merchandise · 1,000 × $49
$49,000
Issuer assessment fees
$15,000
Network monitoring penalties
$40,000
Reserve increase exposure
$80,000
Total monthly exposure
$209,000
WITH ALERTS
Proactive posture
Refunds issued · 950 alerts
$46,550
Alert fees · 950 × $0.50
$475
Remaining chargebacks · 50
$3,700
Network monitoring penalties
$0
Reserve impact
$0
Total monthly exposure
$50,725
75.7% reduction in chargeback-related exposure
$0
Every alert,
every resolution
The dashboard tracks inbound alerts by network, resolution status, and reason code. Reconcile every alert against the original charge, inspect the resolution workflow that fired, and export for monthly review with your processor.
Subscribe to the dispute alert webhook to receive notifications the moment they arrive from the network. Each payload includes the original charge reference, the dispute reason, the network of origin, and the resolution path Worthy is about to take.
The dispute.alert.received webhook fires for every incoming alert across every network.
charge references the original charge the alert is matched against.
network identifies the alert source: verifi_cdrn, visa_rdr, or mastercard_ethoca.
workflow reports the resolution path that will execute.
resolve_by is the deadline before the alert window closes.
const response = {
id: "alert_8VR3K",
type: "dispute.alert.received",
received_at: "2026-05-24T15:42:18Z",
resolve_by: "2026-05-27T15:42:18Z",
charge: {
id: "ch_4PQ8K",
amount: 4900,
currency: "usd"
},
alert: {
network: "verifi_cdrn",
reason_code: "4863",
reason: "cardholder_does_not_recognize",
issuer_country: "US"
},
workflow: {
matched_rule: "auto_refund_under_100",
action: "auto_refund",
scheduled_at: "2026-05-24T15:42:30Z"
}
}
Pre-chargeback alerts close the gap that fraud screening and authentication leave open. They run alongside Autorisk, 3DS, and the Cross-Merchant Fraud Network to keep your network ratios well within range.
Card testing defense scoring every charge against fourteen attack signatures before authorization.
Step up to 3DS only on charges that need authentication. Shift liability without adding friction to clean charges.
Anonymized fraud signals shared across every Worthy merchant in real time.
Pre-chargeback alerts from every major network. Resolve disputes before they post.
Apply for a Worthy account and connect to every alert network on day one. No contracts, no setup fees, no engineering team required. Talk to sales for a custom package or volume pricing.
