Enrollment Comparison: Ethoca, RDR, & CDRN
| Ethoca | Verifi RDR | Verifi CDRN |
Recommended? | Yes | Yes | Only if selling in the US |
Average Enrollment Time | ~12 hours | ~7+ business days | ~12 hours |
Price Per Alert | $29 | $15 | $15 |
Refund Option | Manual or automatic | Automatic | Manual or automatic |
Notes:
RDR = Rapid Dispute Resolution
CDRN = Cardholder Dispute Resolution Network
Which Enrollment(s) Should I Choose?
In short:
High-risk merchants (chargeback rate over 1%): Enroll with Ethoca, RDR, and CDRN for full coverage and broader payment acceptance.
Other merchants: Enroll with Ethoca and RDR only.
💡 See the detailed comparison guide for a full breakdown of CDRN, RDR, and Ethoca alerts.
Network Coverage & General Information
| Ethoca | RDR | CDRN |
Mastercard | 95% | 0% | 5% |
Visa | 50% | 97% | 95% |
Other Networks* | ~53% | 0% | ~30% |
Notes:
Exact figures are not publicly available.
Includes AmEx, Discover, and JCB.
Percentages are estimates and may vary by industry, region, and more.
Ethoca, RDR, and CDRN do not prevent chargebacks from PayPal Wallet, Affirm, Amazon Pay, Cash App Pay, Klarna, or other non-card payment methods.
See the following sections for a deeper look into each alert network.
1. Ethoca & CDRN
A. Coverage
Ethoca: Strong global coverage for Mastercard and Visa transactions.
CDRN: Limited Mastercard, Visa, Discover, and AmEx coverage (U.S. only).
B. How They Work with Other Networks
American Express: Only for Reason Code 10.4 (Fraudulent, CNP).
Discover: Only for Reason Code UA02 (Card-Not-Present Fraud).
JCB (Ethoca only): Covered when co-branded with Discover.
Cartes Bancaires (CB):
Stripe and Shopify often process CB cards as Visa/Mastercard, which makes those chargebacks preventable by Ethoca.
If processed purely as Cartes Bancaires, they cannot be prevented.
C. How Refunds Are Handled With CDRN & Ethoca
Ethoca and CDRN alerts support auto-refunds only when an integration is connected. Without integration, refunds must be done manually.
Manual: You must issue refunds directly in your payment processor dashboard.
Auto: Refunds are automatically triggered by Chargeback.io.
2. RDR (Rapid Dispute Resolution)
Enable RDR if you want the widest Visa coverage. RDR only covers disputes related to Visa cards.
Most payment processors (like Stripe) may display RDR cases as chargebacks — but they’re not actual chargebacks. See this guide for more information.
How Refunds Are Handled With RDR
Verifi automatically issues refunds on your behalf with RDR. Manual refunds are not supported.
Can I Get Duplicate Alerts?
Ethoca and CDRN can sometimes trigger alerts for the same dispute, which may cause duplicate charges. Chargeback.io will refund all duplicates.
Mark the alert as Duplicate and file a Manual Credit Request using this guide.
RDR alerts occur at a different stage in the dispute process and never create duplicates. Visa sends TC15 messages to the acquirer (your business bank) on behalf of the issuer (the customer’s bank).
Ethoca and CDRN operate directly between the merchant and issuer.
💡 Questions or concerns?
Get help from our support specialists at Chargeback.io.