What is Verifi CDRN?

Verifi CDRN (Cardholder Dispute Resolution Network) is an alert system that lets you resolve a cardholder dispute before it becomes a network chargeback. When a cardholder contacts the issuer to challenge a transaction, CDRN sends you an alert. You get a short window to act, usually by issuing a refund and stopping fulfillment. If you resolve the alert in time and the issuer accepts it, a network chargeback is not created.

How it works

A potential dispute starts at the issuer. Verifi sends you the alert with key details like card number (tokenized), amount, date, and reference IDs. You match it to your order and choose an action. The common action is to refund and cancel shipment or access. You confirm the outcome back to Verifi. If no action is taken within the window, the issuer may proceed with a chargeback that will count toward network ratios.

Why it matters

Resolved CDRN alerts usually do not count toward Visa chargeback ratios. This helps you stay below network limits and avoid monitoring programs. Alerts also surface issues early, such as unclear descriptors, late shipping, and subscription cancellations, so you can fix the root cause.

What you need to set up • Enrollment with Verifi and mapping of your merchant IDs • API or portal access to receive and act on alerts • A way to link alerts to orders fast and record refunds and case IDs • Clear refund and cancellation rules for alert cases

Timelines and outcomes

Response windows are short, often measured in hours or a few days. Fast action is key. A full refund typically closes the case at the alert stage. Partial refunds or declines can lead to a chargeback. Not all issuers participate, so some disputes will still arrive as normal chargebacks without an alert.