General Flow

Fraud alerts initiate after a consumer complains to the issuing bank and the bank notifies PPRO that a chargeback will be issued.

If the cardholder complains about a transaction with the issuing bank, then PPRO is notified that a chargeback will be issued and forwarded to the merchant as a fraud alert. If the merchant refunds the transaction before the chargeback is issued, the chargeback is avoided, avoiding as well chargeback costs, and reducing operational overhead.