Enrich and Shift
Enrich transactions to the issuing bank to prevent unnecessary chargebacks. Shift the liability to the issuer where the data evidences friendly fraud. Merchants can submit transaction details before a dispute becomes a chargeback.
The issuing bank or cardholder asks for more information on a transaction.
Merchants share key data like IP address, email, and past purchases.
If evidence meets Visa/Mastercard rules proving friendly fraud, the liability of the transaction shifts to the issuing bank – therefore no need to defend the chargeback
This process helps merchants prevent unnecessary chargebacks, saving time and money while ensuring legitimate transactions are protected. How it works
Liability shifts to the issuer if IP Address, Email and 2 previous transactions are evidenced – in line with Mastercard and Visa mandates. We’d love to hear from you