A customer doesn't recognize a charge. They call their bank. A chargeback lands on your account before you even knew there was a problem. It's one of the most frustrating parts of running an online business, especially when the purchase was completely legitimate. Visa and Mastercard both built tools specifically to interrupt that cycle, and they work before a dispute is ever officially filed. Verifi Order Insight and Ethoca Consumer Clarity push your real-time transaction data to issuing banks the moment a cardholder questions a charge, giving them the context they need to recognize the purchase instead of disputing it.
How Verifi Order Insight Works
Verifi Order Insight is a real-time data-sharing platform powered by Verifi, a Visa company. It was originally called the Visa Merchant Purchase Inquiry (VMPI) before being redesigned and expanded into what it is today. The concept is straightforward: when a cardholder contacts their bank about an unfamiliar charge, the issuer can pull their order details instantly, right during that call or banking session, and show the customer exactly what they purchased.
The transaction data shared through Verifi Order Insight can include:
- Merchant name, business description, and contact info
- Product or service details and purchase amount
- Shipping confirmation, tracking info, and delivery status
- Order date and customer account history
Because this happens in real time, the bank doesn't need to wait for you to respond. The cardholder gets answers while they're still on the phone, and for a lot of confusion-based disputes, that's all it takes to close things out before a chargeback is ever filed.
See how Chargeblast Deflection connects to Verifi Order Insight for Visa coverage here.
How Ethoca Consumer Clarity Works for Mastercard
Ethoca Consumer Clarity is Mastercard's equivalent, managed through Ethoca, a company Mastercard acquired in 2019. When a cardholder questions a charge, Consumer Clarity lets their issuing bank request your transaction data in real time. That information surfaces inside the cardholder's banking app or gets reviewed by a customer service agent, giving them enough context to recognize the purchase without escalating to a dispute.
Ethoca Consumer Clarity covers Mastercard transactions, while Verifi Order Insight handles Visa. If your business accepts both card types, you need both tools for complete chargeback deflection coverage across your transaction volume.
Data Consumer Clarity that can be shared with issuers includes:
- Business name, logo, and customer service contact
- Itemized purchase details and digital receipts
- Delivery confirmation and account history
- Subscription billing details, which is especially useful for SaaS and recurring billing merchants
Early data from Ethoca showed that a North American merchant commerce platform saw a 16% drop in Mastercard chargebacks, while a North American issuer experienced a 23% decrease in chargeback rates over two years after activating Consumer Clarity. At scale, that's a real impact on both lost revenue and processing risk.
Confusion Drives More Chargebacks Than Most Merchants Realize
It's easy to assume most chargebacks come from fraud. In practice, a lot of them start from something much simpler: a customer doesn't recognize the charge on their statement. Confusing billing descriptors, forgettable subscription names, and generic merchant identifiers are enough to trigger a dispute. Research by Aite Group found that 27% of consumers who called their bank to dispute a charge realized it was legitimate once they received more transaction details.
That's the core problem chargeback deflection is built to solve. Instead of waiting for a dispute to land on your account and then working to fight it, these tools share the right context upfront, before anything is officially filed.
Learn how Chargeblast Deflection handles this automatically here.
Running Both Integrations Independently Is More Work Than It's Worth
Both Verifi Order Insight and Ethoca Consumer Clarity require API integrations with Verifi and Ethoca's respective networks, correct data formatting, and ongoing compliance with card network mandates like Visa's Compelling Evidence 3.0 and Mastercard's First-Party Trust program. Neither is a simple plug-and-play setup.
Maintaining both independently means managing two vendor relationships, two reporting dashboards, and staying current with each network's evolving requirements. For most merchants, that ongoing overhead isn't practical, especially when there's a cleaner option.
Chargeblast Deflection: Full Network Coverage, One Integration
Chargeblast's Deflection service connects you to both Verifi Order Insight and Ethoca Consumer Clarity through a single integration. Instead of building and managing separate setups for each card network, you connect once and get full chargeback deflection coverage across Visa and Mastercard. When a cardholder questions a transaction, Chargeblast routes your data to the right network automatically so the cardholder gets the context they need, right when they need it, before a dispute is filed.
Here's what Chargeblast Deflection covers:
- Pre-dispute interception across both Visa and Mastercard
- Fewer chargebacks counted against your dispute ratio
- Automatic routing to the correct network without manual work
- One integration instead of two separate vendor setups
Chargeback deflection works best when it runs quietly in the background, not when it's creating more work for your team.
Stop Chargebacks Before They Count Against You
Fighting chargebacks after the fact isn't a scalable strategy for any merchant processing real volume. Verifi Order Insight and Ethoca Consumer Clarity exist because the card networks already know the problem: too many disputes start from confusion, not actual fraud. Getting both tools active and feeding accurate data to issuers is the most direct way to cut those preventable losses before they hit your account.
Chargeblast Deflection gives you that infrastructure out of the box, with both networks covered and real-time dispute interception ready from day one.
FAQ: How Chargeback Deflection Actually Works for Merchants
What's the difference between Verifi Order Insight and Ethoca Consumer Clarity?
Order Insight covers Visa transactions through Verifi, while Consumer Clarity covers Mastercard transactions through Ethoca. Both deliver real-time transaction data to issuers before a dispute is filed.
Do I need both tools?
If you accept Visa and Mastercard, yes. Using only one leaves an entire card network without deflection coverage.
How is chargeback deflection different from chargeback alerts?
Alerts notify you after a dispute has been initiated so you can refund before it counts as a chargeback. Deflection tools step in even earlier, before the dispute is ever filed.
Is Consumer Clarity free?
Yes. Consumer Clarity is available to merchants at no charge through Ethoca, and Order Insight through Verifi is similarly accessible without direct per-use fees. Most merchants access both through an aggregated platform.
Can these tools stop every chargeback?
No. Both are most effective against confusion-based disputes and first-party fraud. Criminal fraud and legitimate merchant-error chargebacks still require separate strategies.
Intercept Disputes Before They Reach Your Account
Chargeblast Deflection connects to both the Verifi and Ethoca networks, giving your business full coverage across Visa and Mastercard from a single integration. If you're losing revenue to disputes that should never have been filed, this is where to start.
Book a demo below to learn more.
