Giving cardholders the right to dispute a payment and receive reimbursement for goods and services because they were not ordered, or not what they were professed to be, helped Visa and Mastercard develop and protect their brand equity when introduced in the early days of the bank card industry. However, the dispute and chargeback process creates expensive operational problems for merchants and issuers. Some studies put the number of illegitimate requests for chargebacks at more than half of the total. Verifi has created two services, Order Insight and CDRN, that facilitate the exchange of d...