Library · Chargebacks · Guide
Order Insight
Visa / Verifi. Often sold with CDRN as one Verifi stack.
An inquiry, before a chargeback and usually before a CDRN alert. This is the ‘unknown charge’ moment, not the ‘I want my money’ moment.
If the inquiry resolves, there may be no chargeback at all. If it does not, CDRN or a Visa CB can still follow. OI is not a refund-or-die alert.
The cardholder (or issuer) asks ‘what is this charge?’ You return order data: DBA/descriptor, SKU, delivery, customer-service path. A clear answer can stop a dispute from being filed.
Often bundled in a Verifi / reseller monthly plus per-inquiry or per-outcome fees. Confirm the invoice; it is not a Visa public price list.
Per MID. The payload is the product: descriptor the cardholder saw, tracking, last-four, SKU, CS number. Garbage in, dispute out.
Descriptor on the MID is what Order Insight must explain. Changing DBA without updating OI/clearing is how ‘I don’t recognize this’ piles up. Not CDRN. Not 3DS. Not representment Compelling Evidence 3.0 (related idea, different process).
Map descriptor, DBA, SKU, tracking, and a help path into the payload. When the DBA changes, update OI the same day. Use CDRN when the issuer is already filing.
Pairing manual: Order Insight.
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