To maximize the effectiveness of your chargeback prevention alerts, it is crucial to properly configure your billing descriptors. This guide explains how enrolling all variations of your descriptors ensures comprehensive coverage across alert networks and protects your revenue.
Billing descriptors play an important role in prevention alert functionality. A billing descriptor describes a payment and helps a cardholder identify the transaction on their bank statement.
Ethoca and Verifi use billing descriptors to issue prevention alerts. Your processor has a “main descriptor” on file; however, a single billing descriptor typically has several different variations. Your descriptor can change based on various factors, including:
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The type of transaction you process (such as card-present or card-not-present).
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The card brand that issued the card (such as Mastercard® or Visa®).
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The type of card used to process the transaction (such as debit or credit).
It is important to enroll all possible variations. We recommend processing several test transactions using different cards issued by different brands to see exactly how your descriptors display.
If a descriptor variation is not enrolled, you might not receive the most complete protection, leaving your business vulnerable to avoidable chargebacks.
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