This feature is available on all Goodshuffle Pro Plans.
If you receive an early fraud warning, promptly review the transaction and decide whether refunding the charge is necessary to prevent the cardholder from disputing it. You can issue an online refund here.
Early Fraud Warnings are issued by Visa and Mastercard flagging a potentially fraudulent charge. These alerts (listed below) are passed through our payment processor, Stripe, and forwarded to the account owner. 80% of Early Fraud Warnings escalate into a dispute. You can learn more on disputes here.Early Fraud Warnings can surface shortly after the charge is processed, weeks or even months later, and occasionally even after a fraud dispute has already started. These warnings are generated by card issuers and flagged through patterns or cardholder reports before being passed to platforms like Goodshuffle Pro.
Steps to Handle an Early Fraud Warning
Review the Transaction:
Examine the transaction details and any supporting documentation, such as contracts, signed quotes, delivery records, or communications.
Contact the Cardholder:
If you trust the cardholder (e.g., they have a history of verified transactions), reach out to confirm the charge and ensure the event or services were authorized and satisfactory.
Inform the cardholder that you received a warning indicating they might dispute the charge. This proactive communication can prevent misunderstandings and provides additional documentation if a dispute arises later.
Document the Outcome:
Retain any confirming messages or evidence from your outreach to the cardholder. This documentation will strengthen your case if a dispute is filed.
Possible Early Fraud Warning Alerts
"Card Never Received"
"Fraudulent Card Application"
"Made with Counterfeit Card"
"Made with Lost Card"
"Made with Stolen Card"
"Unauthorized Use of Card"
"Miscellaneous"
These alerts help you act quickly to avoid costly chargebacks and protect your business. Taking proactive measures, such as reviewing documentation and confirming transactions directly with cardholders, mitigates risks associated with fraud warnings and chargebacks. Refunds should be evaluated on a case-by-case basis, depending on the legitimacy of the transaction and the cardholder’s history.
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