These are critical to set up
Without your billing descriptor, you will not be able to receive alerts from any alert provider. Without ARNs, you cannot receive alerts from RDR; which covers 97% of Visa transactions.
👉 How & Where to Add a Descriptor & ARNs
👉 How & Where to Add a Descriptor & ARNs
If you are adding descriptors and ARNs after setting up your account, you will need to head to the Enrollments page.
If this link works, skip to step 6.
Just in case if the link didn't work, you'd follow this sequence of pages:
1. Head to Personal Settings:
2. Business Settings tab:
3. Tap the cog icon for Business Settings:
4. Click on the Enrollment tab
5. Find the enrollment you want to add a descriptor or ARNs to and click '+ Enroll More Descriptors'
6. Skip the first page by pressing Continue.
7. Add your billing descriptor here:
Under the RDR sequence, you'll see the following:
Add your ARNs here.
It should take 12 hours for CDRN and Ethoca to activate. And up to 3 business days for RDR to activate.
A customer may file a chargeback while you're activating your alerts, then the dispute may appear closely after your alerts activated. There is nothing any alerts provider could have done to catch that chargeback.
You may encounter one of these issues:
Why Can't I Add My Descriptor?
Why Can't I Add My Descriptor?
You may have created another account and added the descriptor there; thus, the descriptor would be locked to that account.
Reach out to our support staff and we'll remove that for you.
Or.
Your billing descriptor is enrolled under another chargeback alerts provider.
If this happens, you will receive an email from one of our specialists requesting that you speak to your current provider about releasing your descriptor and/or BINs and CAID from that provider.
Finding Your Billing Descriptor for Stripe
Follow these steps to find your billing descriptor with Stripe:
1. Log into your Stripe dashboard
2. Access Settings and Business Settings
Click the cog icon (usually located in the top right or sidebar).
Scroll down and select Business settings.
3. Locate Public Details
Within Business Settings, find the Public Details or Public business information section.
4. View your Statement Descriptors
You'll see fields for:
1. Statement descriptor: This is the primary descriptor that appears on customer card statements.
2. Shortened descriptor: This is a shorter version that may be used if there is not enough space on the statement to display the full descriptor.
Uses only Latin characters.
Has 5 – 22 characters.
Contains at least one letter.
If using a prefix and a suffix, both require at least one letter (e.g., PETastic)
Do not use the following special characters: <, >, \, ‘, “, and *.
Reflects your Doing Business As (DBA) name (e.g., Tims Hawaiian Shirts).
Contains more than a single standard term or common website URL. A website URL is only acceptable if it provides a clear and accurate description of a transaction on a customer’s statement.
How to Find ARNs with Stripe
Essentials:
ARNs must be 23-digits long
They must begin with a '2' or '7'
You need 4 in total
These must be from Visa purchases
You can find ARNs on partially refunded orders
Without ARNs, you cannot enroll under RDR alerts. Verifi requires these to verify merchant accounts.
Follow these steps to find your ARNs:
1. Log into your Stripe Dashboard
2. Navigate to Payments
In the sidebar or top navigation, click on Payments. This will show you a list of transactions.
3. Locate the Refund
Find the ARN code for the specific refund you want. Search by order number or amount or filter by refunds to make this easier.
4. Click on the Refund
Click on the individual refund to view its detailed information.
5. Click View Details
The Acquirer Reference Number (ARN) should be displayed within the refund details. Look for labels like "ARN", "Acquirer Reference Number", or "Refund ID".
Source: Stripe support
Stripe ARN Status Meanings
ARN is Available: The ARN will display within a refund on your dashboard.
ARN Isn’t Available: If ARN is not supported for the refund, you cannot see it.
ARN is Processing (Default Status): The refund has not yet been processed.
For visuals on finding these, please refer to the video at the beginning of this guide.
Some transactions will show a System Trace Audit Number (STAN) instead of an ARN. We cannot accept these since Verifi requires ARNs.
To set things up quicker, please refer to the following scenarios:
What if I Have No Refunds?
What if I Have No Refunds?
If you don't have many refunds, or if all of your refunds are from Mastercard purchases, you'll want to follow either of these steps:
Do x4 1 USD refunds with Visa cards on Stripe
Reach out to Stripe's customer support and send them something along the lines of:
Hey, can you please give me my Visa BIN (bank identification number) and CAID (card account identifier) for this account? I need it for my Rapid Dispute Resolution (RDR) alert enrollment.
They may send you a message along the lines of "We don't have access to that kind of information," they do have access.
In that case, you'll want to try another support team member or ask if they can escalate the message to a 'specialist.'
We can also use BINs and CAIDs to help identify your account. You will need to reach out to us to provide both numbers.
Refunds can be done in any currency. So long as they're done on a Visa card.
What if I Have Fewer than 4 ARNs?
What if I Have Fewer than 4 ARNs?
If you have fewer than four ARNs, refer to the previous steps as if you had 'no refunds.'
💡 Tip
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We’re here to help with any questions you may have.