⚠️ Without your descriptor, no alert provider can send you alerts.
Without ARNs, you won’t receive RDR alerts, which cover 97% of Visa transactions.
Finding Your Billing Descriptor & ARNs for Authorize.net
Navigate to any Visa transaction and look for the following information:
Merchant Name: Your billing descriptor
Reference #: Your ARN
⚠️ Important Notes
Each Reference Number (ARN) must:
Be 23 digits long
Start with a 2 or 7
Come from a Visa transaction
You’ll need 4 Reference Numbers (ARNs) to complete setup in Chargeback.io.
Submitting more than 4 ARNs does not speed up enrollment.
What If I Don’t Have Any Refunds or ARNs?
If you don’t have any refunds yet, or have fewer than four Reference Numbers, you’ll need to create test refunds to generate them.
Alternatively, you can use your BINs and CAID (also called B&C) instead of ARNs or Reference Numbers.
👉 Follow this guide to learn how to:
Get your B&C
Perform test refunds to create Reference Numbers
How to Add Descriptor(s) & ARNs
Here’s how and where to add your descriptor(s) and ARNs:
In the sidebar, click Alerts to expand the dropdown.
Select Configure.
Click + Enroll More Descriptors.
Click Continue on the Integration page.
Enter your billing descriptor(s) in the Billing Descriptor field.
If you have more than one, separate them with commas.
During the RDR enrollment process, enter 4 Visa ARNs, separating each with commas.
💡 Be sure to review the FAQs about billing descriptors and ARNs.
Activation Times
CDRN and Ethoca: ~12 hours
RDR: ~7+ business days
These are average activation times and may vary. See this guide for more details.
💡 Questions or concerns?
Get help from our support specialists at Chargeback.io.