Intro to Chargeflow Alerts

Chargeflow Alerts is a chargeback prevention tool that stops disputes before they become chargebacks — saving you money, protecting your payment processing, and reducing the manual work of fighting disputes.

When a customer initiates a dispute with their bank, Visa and Mastercard send Chargeflow an instant notification through their alert networks (called Verifi and Ethoca).

Once Chargeflow receives that alert, it automatically issues a refund to the customer — stopping the dispute in its tracks before it ever becomes a formal chargeback.

Every alert Chargeflow receives for your store is an early warning that a customer has disputed a transaction. We act on it right away, refunding the customer before the dispute becomes a chargeback, so your chargeback ratio stays protected. Each alert received is billed, as is standard across all alerts networks.

What sets Chargeflow apart is what happens after the charge. If we can’t match an alert to a transaction in your store, we request a credit for it on your behalf. Credit eligibility follows the alerts provider’s credit policy, and when a credit is approved, we apply it to your invoice automatically, up to 45 days after the alert was received. There are no forms to file and no deadlines to track.

If you’ve set a Refund Automation Limit, transactions above your threshold won’t be refunded automatically, but you still get the alert, so you can handle those cases yourself or have our Automation service handle it on your behalf.

Every chargeback filed against your store raises your chargeback ratio — a key metric that payment processors use to assess how risky your business is.

A high chargeback ratio can lead to:

By preventing chargebacks before they're filed, Chargeflow helps keep your ratio low and your payment processing healthy.

Chargeflow connects directly with Ethoca (Mastercard) and Verifi (Visa) to get real-time alerts on disputed transactions. On top of that, Chargeflow uses its own proprietary technology and a global merchant network to detect potential disputes even earlier — giving you broader coverage than either network alone.

The result: up to 90% fewer chargebacks for your store.

Chargeflow Alerts takes a proactive approach — handling disputes behind the scenes so you don't have to. You stay focused on running your business, and we make sure a chargeback never gets in the way of your ability to process payments.