Fraud Prevention

PayNext integrates with Visa and Mastercard dispute-prevention programs natively. Once your merchant account is enrolled, the integration is fully managed—PayNext receives every inquiry and notification, supplies the data the network needs, and writes the outcome to the payment payload, the timeline, and webhook events. You read results the same way you read every other payment field.

Supported products

Each product is a separate enrollment. Enable any combination via PayNext support.

Product	Status	What it does
Visa Order Insight (OI / OID)	Available	Shares transaction details with the issuing bank so the cardholder can recognize the charge—delivered live to the agent during a call (OI) or inside the cardholder’s banking app (OID). Reduces fraud notifications and friendly-fraud disputes.
Visa Compelling Evidence 3.0 (CE)	Available	When a dispute is filed, Visa evaluates merchant evidence; eligible cases are deflected automatically before they become chargebacks.
Visa Rapid Dispute Resolution (RDR)	Available	Visa evaluates incoming disputes against your refund rules and auto-refunds eligible cases.
Visa CDRN Alerts	Available	Cardholder Dispute Resolution Network, operated by Verifi. PayNext auto-refunds incoming disputes before they become chargebacks. Covers both Visa and Mastercard networks, with primary coverage on Visa.
Mastercard Consumer Clarity	Available	Mastercard’s equivalent of Visa Order Insight—transaction details surfaced to cardholders inside the issuer’s banking experience. Reduces friendly-fraud disputes before they’re filed.
Mastercard Ethoca Alerts	Available	PayNext auto-refunds incoming disputes across Mastercard and Visa networks, with primary coverage on Mastercard. Complements CDRN alerts—enroll in both for full network coverage.
Early Fraud Warnings	Available	Issuer fraud reports relayed through your processor (Stripe Radar, Unlimit). PayNext records the warning on the payment and cancels the customer’s affected subscriptions before a chargeback is filed.

How it works

The network sends a request or notification

Visa or Mastercard sends an inquiry (cardholder lookup) or a notification (CE outcome, RDR decision, alert) to PayNext.

PayNext ingests and matches the event to your payment

The event is matched to a PayNext payment using the network payment ID and other identifiers.

PayNext resolves the query

For inquiries, PayNext serves the receipt data the network needs. For notifications, PayNext applies the outcome to the payment.

The outcome appears on the payment

The fraud_prevention block is updated, an event is written to the payment timeline, and a payment_v2.updated webhook fires.

Subscription handling

When a fraud prevention event lands on a payment that belongs to an active subscription, PayNext acts on the subscription that paid for that charge.

Event	Subscription action
OI lookup (`visa_order_insight.type = "OI"`)	Scheduled for cancellation at the end of the current billing period; `status` becomes `scheduled_for_cancellation`
OID lookup (`visa_order_insight.type = "OID"`)	No action—self-service lookups are not treated as a dispute signal
CE lookup (`visa_order_insight.type = "CE"`)	Scheduled for cancellation at the end of the current billing period
CE terminal outcome (`visa_compelling_evidence` written)	Cancelled immediately; `status` becomes `cancelled`
RDR outcome (`visa_rdr` written)	Cancelled immediately; `status` becomes `cancelled`
CDRN case (`visa_cdrn_alert` written)	Cancelled immediately; `status` becomes `cancelled`
Consumer Clarity lookup (`mastercard_consumer_clarity` written)	No automatic action—a Consumer Clarity lookup is informational, not a dispute signal
Ethoca alert (`mastercard_ethoca_alert` written)	Cancelled immediately; `status` becomes `cancelled`
Early Fraud Warning (`early_fraud_warning` written)	Cancelled immediately; `status` becomes `cancelled`

All of the customer’s active subscriptions at your account are acted on. Subscriptions the same customer holds at other merchants are not affected. Track changes via the subscription_v2.scheduled_for_cancellation and subscription_v2.cancelled webhooks.

Where you see results

Surface	What you get
Payment payload	The `fraud_prevention` block on every payment that received an inquiry, decision, or alert. See Visa Order Insight & CE, Visa RDR, Visa CDRN Alerts, Mastercard Consumer Clarity, Mastercard Ethoca Alerts, and Early Fraud Warnings for the full schema.
Payment timeline	Every inquiry and outcome is recorded on the payment’s timeline in Dashboard → Payments → [payment].
Webhooks	The `payment_v2.updated` event delivers the updated `fraud_prevention` block. See the Payment webhook object.
Analytics	Program effectiveness is tracked in the Dashboard analytics views.
Filters	Dashboard → Payments filters let you narrow by OI lookup, OI channel (`OI` / `OID` / `CE`), CE outcome, RDR outcome, CDRN case type, CDRN reason code, Consumer Clarity channel (`DIGITAL` / `CALL_CENTRE` / `MASTERCOM` / `FIRST_PARTY_TRUST`), Ethoca alert type, and Ethoca reason code—built on the same payload fields.

`fraud_prevention` block

Each available product writes to its own sub-object. Sub-objects are independent—any subset can be present.

{
  "id": "pay_ac147ba9-d16f-40ba-829a-242968e9b7fe",
  "fraud_prevention": {
    "visa_order_insight": {
      "type": "CE",
      "insight_id": "4bfe0233-7b19-4e82-9c0a-1e8d2f3c5b11",
      "updated_at": "2026-04-23T12:45:51Z"
    },
    "visa_compelling_evidence": {
      "status": "accepted",
      "case_id": "a6cf8f35-d753-4a66-8e09-65b451c96eed",
      "updated_at": "2026-04-23T12:45:54Z"
    },
    "visa_rdr": {
      "status": "accepted",
      "case_id": "3d2ec10c-8a6c-4ef2-b7e9-0c7b1a9f23ea",
      "reason": {
        "code": "10.4",
        "name": "Other Fraud — Card Absent Environment",
        "category": "fraud"
      },
      "updated_at": "2026-04-23T12:45:51Z"
    },
    "visa_cdrn_alert": {
      "case_id": "32838-001",
      "updated_at": "2026-04-23T12:45:51Z",
      "type": "DISPUTE",
      "source": "ISSUER",
      "reason_code": "10"
    },
    "mastercard_consumer_clarity": {
      "type": "DIGITAL",
      "insight_id": "0.87161502.1780216058.b9db91c",
      "updated_at": "2026-06-03T12:45:51Z"
    },
    "mastercard_ethoca_alert": {
      "alert_id": "BPHND524TLN0QQZA1O1GBW18Q",
      "alert_type": "customerdispute_alert",
      "updated_at": "2026-04-23T12:45:51Z",
      "source": "ethoca",
      "reason": {
        "reason_code": "4837"
      }
    },
    "early_fraud_warning": {
      "fraud_id": "issfr_1Q9d2X2eZvKYlo2C4j9rT4Yk",
      "fraud_type": "unauthorized_use_of_card",
      "updated_at": "2026-04-23T12:45:51Z"
    }
  }
}

Presence of a sub-object means the corresponding signal fired for this payment. Absence means nothing has fired (or, for CE, that a terminal outcome has not landed yet). Don’t assume any sub-object is present.

Enroll

Contact PayNext support

Request enrollment for the products you want and list the integrations to enable them on.

PayNext enrolls your merchant with the network

OI, OID, CE, and RDR enroll by per integration. Chargeback alerts and Consumer Clarity enroll by statement descriptor. PayNext handles the registration end-to-end. For RDR, PayNext also coordinates rule configuration with Visa.

Confirm your Dashboard configuration is complete

The data PayNext supplies to the network is built from your existing Dashboard fields—Organization and Integrations. Keep these up to date and the integration runs automatically.

Once enrolled, the integration is automatic—no code changes are required.

Introduction

Use Cases

Platform

Payments

Advanced Features

Developers

Fraud Prevention

Supported products

How it works

Subscription handling

Where you see results

`fraud_prevention` block

Enroll

​Supported products

​How it works

​Subscription handling

​Where you see results

​fraud_prevention block

​Enroll

Supported products

How it works

Subscription handling

Where you see results

`fraud_prevention` block

Enroll