Overview
The subprovider field on alerts indicates the alert network or data source. Understanding these helps you route and handle alerts appropriately.
Alert Networks
These are the primary alert products that require action to prevent chargebacks.
| Value | Description |
|---|
Ethoca | Mastercard’s Ethoca alert network. Provides early dispute notification with the best coverage, especially for Mastercard transactions (~95% MC, ~30% Visa). Requires merchant-side refunding. |
CDRN | Visa’s Cardholder Dispute Resolution Network. Issuer-based alert product focused on Visa transactions, though it also covers Mastercard and other schemes. |
RDR | Visa’s Rapid Dispute Resolution. Acquirer-side product where refunds are processed automatically by the acquirer — no merchant action required. |
Card Network Alerts
Alerts from specific card networks.
| Value | Description |
|---|
Discover | Alerts from Discover card network. |
AMEX | Alerts from American Express network. |
JCB | Alerts from JCB (Japan Credit Bureau) network. |
| Value | Description |
|---|
TC40 | Visa fraud reporting system. TC40 reports are filed by issuers when a cardholder claims fraud. Use these to identify potentially fraudulent customers or transactions. |
TC15 | Visa non-fraud chargeback reports. Similar to TC40 but for non-fraud disputes. Typically used for VAMP (Visa Acquirer Monitoring Program) reporting purposes. All TC15 alerts are sent with resolved status and do not require merchant action. |
SAFE | Mastercard’s System to Avoid Fraud Effectively. Similar to TC40, these are fraud reports filed by issuers. |
Other Values
| Value | Description |
|---|
Cancel | Cancellation-related alert. Requires subscription/service cancellation only — no refund needed. |
Unknown | The subprovider could not be determined. |
Recommendations
For maximum chargeback prevention, we recommend subscribing to Ethoca, CDRN, and RDR. Ethoca front-runs other alert types by ~7 days, so merchants with high resolve rates will see minimal duplicate alerts.
TC40, TC15, and SAFE reports are useful for fraud analytics and reporting, but they don’t require refunds or alert actioning.
