1. Make Your Own ARNs
Charge your own Visa card four times for $1 (same card for all charges okay).
You can also create a single-use discount code for 99% off and create transactions using this.
Wait for the transaction to settle, then refund.
Wait for your processor to generate ARNs.
This can appear in the dashboard after the refund posts.
⚠️ Wait for the transaction to settle before refunding. Don't refund transactions right away. If you refund straightaway, the transaction will become a reversal and no ARNs will appear.
Read Before Creating Your Own Transactions
1. ARNs vs. Refund Identifiers
For some processors, the reference shown for refunds may appear as an ARN, STAN, or RRN. Check the refund details in your processor dashboard.
Keep these notes in mind:
RDR enrollment requires ARNs.
STANs or other short trace numbers won’t substitute for an ARN.
If you see only a STAN, contact your processor or our support.
2. Time it Takes for ARNs to Appear
ARN generation timing varies. Some processors show ARNs immediately. Others show them after refund processing (24 – 72 hours in some cases).
If you don’t see ARNs within a few days, check with your processor.
3. Other Notes
You can issue the transactions in any currency.
Shopify stores based in France will not show ARNs in the merchant UI, you'll need to contact Shopify support to find them.
It can take at least 1 hour for transactions to settle and be refundable.
4. Terms used for "ARNs" on Different Platforms
Some processors list ARNs under different field names.
Search your dashboard for these terms:
Processor | Alternative Name for ARN |
Most Processors | ARN (Acquirer Reference Number) |
Oceanpayment | Query Numbers |
Authorize.net | Reference Number |
2. Use BIN & CAID Instead of ARNs
If you don’t have four ARNs, you can still enroll in RDR with your acquirer BIN(s) and CAID (B&C).
Requirements:
BIN: 6 digits, not the Merchant ID (MID).
CAID: 15 digits, alphanumeric (letters + numbers).
Double-check the length and format before sending B&C to Chargeback.io, so invalid numbers don’t bounce back from Verifi.
⚠️ Important: We can’t accept BINs or CAIDs that don’t meet these requirements.
If your processor gives you invalid values, let them know Verifi will reject them and specify which requirement isn’t met.
A. How to Request BIN(s) & CAID
Reach out to your payment processor and immediately escalate to support. Once escalated, ask your them for these details.
You can also send them this script:
Hi, can you please provide my Visa BIN and CAID for this account? I need them for Rapid Dispute Resolution enrollment.
ℹ️ We suggest immediately escalating because most front-line support agents may not know what these details are.
2. Next Steps
Once you have your BIN(s) and CAIDs, follow these steps to add them to your dashboard:
In the sidebar, click Alerts to expand the dropdown.
Select Configure.
In the RDR card, click
+ Enroll More Descriptors.Check the box beside "I want to use BIN and CAID instead of ARNs".
Enter your BIN(s) and CAID(s).
⏱️ Timing: Enrollment normally takes 3 business days, but may take up to 14 business days if Verifi has a backlog. We cannot speed up this process.
What Are BINs & CAID?
Here's what each of these identifiers means and does:
BINs used for signing up with RDR are known as "acquiring BINs". These aren't the same as issuer BINs (AKA Issuer Identification Number / IIN) that you'd find within transactions on some payment processor dashboards.
💡 Need more help? Get support from our specialists at Chargeback.
We’re here to help with any questions you may have.