1. ©2016 Verifi, Inc.
Stop fraud and chargebacks
and increase your profits
THE PROBLEM
Know what vanity license plates and billing descriptors have in
common? Nobody seems to know what either of them really mean!
In fact, “cardholder does not recognize transaction” represents
one of the top fraud reason codes, contributing to a growing
$40 billion fraud and chargeback problem. Confusing billing
descriptors and lack of timely information being shared across
the payments ecosystem leads to painful but avoidable instances
of fraud, lost customers and sales for merchants.
A tangled game of telephone that costs everyone profits
Market feedback indicates that up to 86% of cardholders bypass the
merchant, and instead call the issuer directly to inquire about or
dispute a charge on his/her statement. This places the resolution
emphasis on the issuer who largely lacks the information to
adequately validate the purchase. Since the purchase details reside in the
merchant’s billing system, the issuer is generally limited to either filing a fraud
claim and or issuing a chargeback to address cardholder’s inquiry or dispute. With
studies indicating that roughly 25% of total ecommerce loss is attributable to
“friendly fraud”1
and operational costs associated with chargebacks impacting
merchants’ profits by up to 20%2
, the true impacts of avoidable disputes can be
very damaging.
Lags in information flow compound the problem
The information that does flow can come very late in the game. For example if
merchants are only learning about a dispute via a chargeback received from their
acquirer or the fraud process via sources like TC40 data, it’s often too late. The
merchant ends up with added chargeback expenses, losing the sale (which could
have been legitimate), losing the customer and potentially damaging their brand.
Up to 86% of
cardholders bypass the
merchant, and instead
call the issuer directly
to inquire about or
dispute a charge on
his/her statement.
Proprietary network enables real time sharing of order details between cardholders, merchants and issuers
to increase revenue and quickly resolve billing inquiries and disputes
1 MRC Global Fraud Survey, 2014.
2 GA Javelin LLC; https://www.
javelinstrategy.com/coverage-area/
impact-fraud-and-chargeback-man-
agement-operations
“What is
this charge?”

2. Product Sheet : : Order Insight : : MERCHANTS
©2016 Verifi, Inc. 2
THE SOLUTION
Order Insight is a proprietary, patent-pending platform that
connects cardholders, merchants and issuers to resolve
billing confusion and disputes that lead to false fraud
claims, unnecessary chargebacks and lost profits.
Supporting card present and card-not-present transactions,
Order Insight provides issuers with key purchase details to
help validate the legitimacy of the sale with the cardholder,
reconfirm the purchase, or enhance identification of fraud for
follow up actions.
This early warning system also helps merchants support
their brand through real time insight into consumer dissatisfaction, so
that they can proactively retain or win back customers and build long term
loyalty and sales.
The right information, for the right parties, at the right time
Order Insight is directly integrated with top issuers, so when a cardholder contacts the issuer directly to
question a charge, the order details shared by the merchant are readily available to support the legitimacy
of the sale. The Issuer gains immediate insight into customer-merchant relationship (account lifespan) with
details such as transaction history, product information, dispute history and PAN/device usage history to
validate the charge as accurate or more quickly confirm a fraudulant purchase.
Robust order validation and transaction details may include;
• Merchant details – including merchant name, address, customer service phone and email along with
relevant links including terms and conditions, warranty, and return policy to identify the merchant.
• Device name – used to make the purchase like “Jane’s X Phone” provides a personal tie to help jog a
customer’s memory.
• Product/services details – (including product names, sizes and quantities) – helps alleviate billing
descriptor confusion.
• Unique customer information – customer name, registered username, IP address, location, phone number
and email address included in merchant customer profile help connect the cardholder to the information
they entered when placing the purchase. Issuers can also compare this profile information with the data on
file while the cardholder accesses the issuers online banking system for added verification.
• Transaction dispute history – provides details about the length of the customer/merchant relationship.
Account/customer activity (active in last 3 months) also shows whether or not any disputes were filed,
refunds issued or if the account was delinquent at any time.

3. Product Sheet : : Order Insight : : MERCHANTS
HOW IT WORKS: The Problem
©2016 Verifi, Inc. 3
THE PROBLEM
The cardholder doesn’t
recognize the charge
THE PROBLEM
The Issuer lacks order
details to validate sale
THE RESULT
THE MERCHANT PAYS THE PRICE!
• Increased Fraud Chargebacks
• Lost Revenue
• Increased Costs
• Lost Customers Potential Brand Damage
Cardholder Issuer
Merchant
THE RESULT
Issuer has no choice
but to create a dispute
THE RESULT
Cardholder calls the Issuer to
question/dispute the charge
STATEMENT
?
THE
CARDHOLDER
BYPASSES
MERCHANT
©2016 Verifi, Inc. 3
OUTCOME
Inquiry resolved
quickly
OUTCOME
Issuer can immediately
validate the sale/improve
customer experience
OUTCOME
• Real Time Visibility into Reported Fraud
• Increased Profits
• Reduced Fraud/Non Fraud Disputes Chargebacks
• Improved Customer Loyalty and Retention
Dispute� outcome
Insights
Order details for
cardholder call
Transaction details
from merchant
Cardholder Issuer
Merchant
Confirmation
of sale or
fraudulent
activity
STATEMENT
?
HOW IT WORKS: The Solution
©2016 Verifi, Inc. 3

4. Product Sheet : : Order Insight : : MERCHANTS
©2016 Verifi, Inc. 4
KEY BENEFITS
Identify and Reduce Fraud, “Friendly Fraud” and Chargebacks – cardholder, merchant and issuer
collaboration enables purchase details to be shared with the cardholder upon inquiry to legitimize and
reconfirm the sale.
• Reduce instances of fraud and chargebacks where the cardholder does not recognize the
charge or is seeking to fraudulently avoid paying for the item or service.
• Real time insight for instances of true fraud from the issuer to improve fraud protocols
and stop pending purchases to reduce future losses.
Reduce Profit Leakage and “Double Dipping” – avoids unnecessary chargeback fees, fines and
operational drain researching/resolving disputes that could have been addressed without escalation.
• Merchants receive real time visibility on the customer outcome to prevent “double dipping” by
unscrupulous customers trying to obtain more money than they are entitled.
Improve Cardholder Experience Preserve Loyalty and Sales – one call resolution for the cardholder
reinforces positive brand image and shared feedback loop to improve operations.
• Timely insight into customer satisfaction provides invaluable feedback to retain or win back
lost customers.
Pro-Active Representment – order details help support the compelling evidence requirements with
the issuer to prevent disputes from becoming a chargeback.
• Helps lower operational expenses and internal resource burdens fighting valid sales that would
become chargebacks later.
Retain Customers and Revenue – removes cardholder confusion by validating the purchase the
cardholder or an authorized user made upfront with details designed to increase customer awareness
of the purchase.
• Transaction details reduce customer friction and allow the merchant to quickly “remind”
customers of their purchase, increasing retention of both the customer and revenue that
would otherwise be lost to chargebacks and unnecessary refunding.

5. CUSTOMER JANE: “I don’t know what this charge
xyz.ECOMMBUY for $22.99 is. I don’t recall ordering it”
ISSUER: “Jane, I see that the order was for…
a monthly subscription of Online.net
purchased on 2/10/15
from a mobile device, named “Jane’s Xphone”
and confirmed with Jane123@gmail.com
…Do you remember it now?”
“Ah yes, now that rings a bell. I did order that.”
ORDER INSIGHT IN ACTION
SUPPORT DETAIL
Product
Transaction Date
Device Identifier
Authorization
Contact Verifi
323.655.5789
info@Verifi.com
www.Verifi.com
ALL RIGHTS RESERVED.
Why Choose Verifi?
Partner with Verifi to reduce your payments risks, streamline business
processes and lower operational costs. Whether its stopping fraud,
maximizing your billings on our flexible and robust global gateway or
our award winning chargeback prevention and dispute management
services, our team of experts and custom solutions will protect your
payments and boost your profits across the entire transaction lifecycle.
Get added protection with Cardholder Dispute Resolution Network (CDRN)
For disputes that do escalate, the award winning Cardholder Dispute Resolution Network provides an extra layer
of protection from fraud and non-fraud chargebacks.
CDRN’s patented “closed-loop process” is directly integrated with top issuers and redirects the dispute from the
issuer to the merchant to be resolved in near real time – stopping the chargeback, and avoiding false protection
expenses, defects or over-refunding that hurts your bottom line.
©2016 Verifi, Inc. 5
MERCHANT RESULT: Retains the sales revenue, avoids a costly
fraud chargeback and creates better brand equity with the customer.
Want to learn how to stop fraud and chargebacks and increase your profits?
Contact us at (323) 655-5789 to learn more about how Order Insight can help your business today.