Ethoca Chargeback Alerts
Intercept Disputes Before They Become Chargebacks
Get 24 to 72 hours of advance notice before a chargeback is filed, so you can resolve disputes and protect your merchant account.
48-72 Hour Warning Window
Receive advance notice the moment a customer initiates a dispute with their bank, before it becomes a chargeback on your account.
Up to 40% Fewer Chargebacks
Merchants using Ethoca alerts consistently reduce chargebacks by thirty-five to forty percent, keeping ratios well below card network thresholds.
US and International Coverage
Ethoca operates on the Mastercard network with broad issuer coverage across both US and international markets.
See What Ethoca Alerts Can Save You
Ethoca alerts cost a fraction of what a chargeback costs you. Enter your monthly dispute volume to see the return on alert enrollment.
- Alerts cost less than a single chargeback fee
- Mastercard and international issuer coverage
- Managed enrollment and response workflows
How much are you overpaying?
Enter your numbers from last month's processing statement.
All figures shown are estimates only and may be subject to change based on application review, business model, risk factors, and underwriting assessments. This tool does not constitute a commitment, guarantee, or offer of specific terms.
Same-day decisions · No application fee · Dedicated account manager
Turn Disputes into Quick Resolutions
When a customer disputes a charge, Ethoca notifies us instantly. We forward the alert to you with time to refund or resolve before the chargeback posts.
Everything You Need to Fight Chargebacks Early
Real-Time Alert Delivery
The moment a cardholder contacts their bank, Ethoca sends a notification through the Mastercard network. We route that alert to your dashboard within 24 hours, giving you a window to act before the dispute becomes a formal chargeback on your account.
Fast Refund Execution
Issue a refund directly from the alert. The chargeback process stops as soon as you confirm resolution with Ethoca.
International Issuer Network
Ethoca has broader international issuer coverage than most alert networks, making it the right choice for merchants with global customers.
Transaction Data Insights
Each alert includes transaction details you can use to identify fraud trends, refine prevention rules, and reduce future disputes.
Friendly Fraud Detection
Ethoca flags disputes that match known friendly-fraud patterns, helping you decide whether to refund or escalate to representment.
Integrated CB-Alert Management
We manage your Ethoca enrollment through CB-Alert, which automates response workflows, provides one-click resolution, and gives you consolidated reporting across all your alert channels in one place.
Processing Payments in 30+ Countries
United States
50 statesFull domestic processing with next-day funding and dedicated account management.
European Union
27 member statesPSD2 and SCA compliant processing across all EU member states with multi-currency settlement.
United Kingdom
England, Scotland, Wales, NIFCA-regulated payment processing with GBP settlement and local acquiring.
Australia
All territoriesAPRA-compliant processing with AUD settlement and Asia-Pacific connectivity.
Connects to Your Existing Workflow
Ethoca alerts plug into your payment gateway, CRM, and fulfillment systems so you can stop shipments, cancel subscriptions, and issue refunds without switching platforms.
Browse all integrations
How Ethoca Alerts Work
Ethoca is a Mastercard-owned alert network that connects merchants directly to issuing banks. When a cardholder contacts their bank to dispute a transaction, the bank pauses the chargeback process and sends a notification through the Ethoca network. That notification reaches Corepay, and we forward it to you immediately with the transaction details and a window to act.
If you issue a refund or confirm resolution within the alert window (typically 24-72 hours), the chargeback process stops entirely. No chargeback is filed, no chargeback fee is assessed, and your chargeback ratio is unaffected. If you choose not to respond or the alert expires, the dispute proceeds as a standard chargeback.
Ethoca Consumer Clarity
In addition to the alert network, Ethoca offers Consumer Clarity, a feature that provides cardholders with detailed transaction information directly within their banking app. When a customer does not recognize a charge, Consumer Clarity displays the merchant name, purchase details, and itemized receipt before the customer files a dispute.
This reduces disputes from customer confusion, which is one of the most common causes of friendly fraud in subscription and digital product categories. Merchants enrolled in Consumer Clarity typically see fewer disputes reaching the alert stage because customers resolve their questions without contacting the bank at all.
Ethoca vs. Verifi: Which Do You Need?
Ethoca and Verifi are the two primary pre-dispute alert networks. They operate on different card networks and have different strengths, and most merchants benefit from using both.
Ethoca focuses on Mastercard disputes and has stronger international issuer coverage. Verifi focuses on Visa disputes and covers both fraud and non-fraud dispute types, which gives it broader utility for some merchant categories. The two networks do not overlap, so enrolling in both maximizes your pre-dispute coverage across all major card types.
We manage both enrollments through CB-Alert, which consolidates your alert response workflow into one interface. You see alerts from both networks in one place and can respond to them with one click.
Who Benefits Most from Ethoca Alerts?
Ethoca alerts deliver the highest return for merchants in categories with elevated chargeback exposure. These include subscription billing, nutraceuticals, digital content, iGaming, and any business where customers may dispute charges through their bank rather than requesting refunds directly.
Merchants approaching Mastercard’s chargeback ratio threshold of 1.5% or Visa’s VAMP merchant standard of 1.50% should treat alert enrollment as a priority. The cost of alerts is a small fraction of the fees, rate increases, and account risks associated with operating above chargeback thresholds.
