Know which services are enrolled
Understand where notices originate, which transactions are covered and what action each service supports.
Dispute alerts & resolution
An early notice can create an opportunity to act. GYB Connect helps connect the enrolled alert services, response rules and operating responsibilities needed to resolve eligible issues.
Dispute alerts bring eligible payment issues to your attention while there is still an opportunity to respond before a chargeback. Depending on the service, the response is reviewed by a team or determined by configured rules. A timely refund or cardholder credit can resolve the issue and help prevent a chargeback.
Understand where notices originate, which transactions are covered and what action each service supports.
Decide how eligible cases will be reviewed, which resolutions are authorized and where automation applies.
Link the alert, original payment and resolution record so the team can see what has already happened.
An opportunity to respond.
Check the payment and prior actions.
Refund or credit confirmed.
If a chargeback is filed.
Identify the eligible notice and associate it with the original transaction.
Review the payment and any existing refund, resolution or related case before taking another action.
Use the agreed review process or an eligible automated-resolution rule.
Confirm the response and retain the relevant resolution reference. If the issue proceeds to a chargeback, move it into the appropriate case workflow.
Review the notice and transaction history before authorizing the next action. Confirm any existing refund so the same payment is not refunded twice.
The program includes the services agreed for your business. Enrollment in one service does not mean every notice or card transaction is covered by all of them.
| Service | How it contributes | What to configure with GYB Connect |
|---|---|---|
| Ethoca Alerts | Provides supported early fraud or dispute notices for a timely merchant response. | Enrollment, transaction matching, responsibility for the response and confirmation of any refund. |
| Verifi CDRN® | Supports a merchant response to an eligible notice, including a cardholder credit where appropriate. | Response ownership, the applicable service window and the handling of the resolution. |
| Visa Rapid Dispute Resolution | Can resolve eligible cases automatically through a cardholder credit under configured decision rules. | Eligible cases, decision rules, monitoring and reconciliation of the resulting credits. |
A refund or cardholder credit returns the payment to the customer to help prevent a chargeback. If $120.00 is returned, that amount is no longer revenue from the sale. The benefit is avoiding a chargeback and its associated handling costs when the issue is resolved successfully.
Your proposal separately identifies the enrolled service charges and the treatment of refunds, credits and other applicable costs.
The response process should check whether a refund or resolution already exists. A second notice does not automatically justify a second refund. GYB Connect helps define the review and reconciliation responsibilities for the enrolled services.
Review alert coverage, resolution rules and team responsibilities with GYB Connect.
Available configurations, eligibility and service terms are confirmed in your proposal.