Fraud Warnings

Fraud warnings are notifications created based on card issuers' reports through Visa TC40 or Mastercard SAFE programs. They report payments they suspect might be fraudulent.

This is not a dispute, and no money is withdrawn from your account. The payment can get a chargeback if there is no 3DS liability shift. Charges related to a fraud warning automatically receive a fraud score of "99" and, through that, a status of "Fraudulent."

You can proactively refund the charge to reduce the chance of a dispute or wait to see if a fraud dispute is filed. Alternatively, you can block the customer or stop the shipment if feasible.

Responding to dispute

A dispute occurs when a cardholder asks their bank to challenge a payment. When this happens, Shift4 you can be notified via email (if enabled in your profile page), a CHARGE_DISPUTE_CREATED event (if webhooks are configured in the webhooks page). Each notification links to the Dispute details page, where you can review the reason and respond.

Submit dispute evidence before the deadline - typically 7-21 days depending on the network. If you don’t respond in time, you’ll lose the dispute and the funds. You can view all disputes in the Disputes tab, or manage them programmatically via the API.

Dispute prevention with Verifi RDR

RDR (Rapid Dispute Resolution) offers you the option to prevent chargebacks. If there’s a dispute, then RDR will quickly resolve it  via a refund and does not become a chargeback.

 You will not be charged any chargeback fee for transactions that go through the RDR flow, and these transactions are not included in the dispute count.

Reach out to us at [email protected] if you’d like to start using this feature.