How to Create an Account & What You Need

What You Need First

• Business website URL: For verification.
• Business name: To identify your account.
• Credit card: For topping up Balance and as a backup payment to Shopify Payments.
• Billing descriptor: The text customers see on card statements. Required so Ethoca and Verifi can deliver alerts.
• 4 ARNs (Acquirer Reference Numbers): Required only if you keep RDR enabled.
• A Balance topped up to the Minimum level: Prevents billing issues and service interruption.
• Connected integration (if applicable): Enables auto-refunds for supported processors.
• API keys for some integrations: For example, Authorize.net.

Provide accurate details to avoid missed alerts or chargebacks.

How to Create an Account

Add Login Information

You can Sign in with Google or create credentials.

If creating credentials, enter:

• First and last name
• Email
• Password: At least 8 characters with a mix of numbers, letters, and symbols. No maximum length.
  • See this password guide for best practices.

Confirm your email: Open the message we sent and click Confirm Email. We'll redirect you to Chargeback.io and ask how you heard about us.

Step 1: Basic Information

• Business name: Does not need to match your legal name.
  • For multiple accounts, add the processor name for clarity, for example EMS – Eager Nomad.
• Website URL: Ensure the site loads. A broken site delays activation.
• Current provider: If you already use another provider, specify which one. This helps us connect you faster.
  • See our guide on switching to Chargeback.io to make the transfer smoother.

Step 2: Add a Payment Processor

• If your processor has an integration, click Connect under that processor and follow the steps to connect.
• If your processor is not supported, select Manual Refunds.
  • You can still receive alerts and refund them manually, but you don't get auto-refunds.

See these guides on connecting your integrations in case the tutorial isn't clear enough.

Step 3: Select an Enrollment

• Turn Off enrollments you do not want to use.
• Use this guide to decide whether you need Ethoca, CDRN, RDR, or all 3.

Step 4: Add Descriptor(s) & ARNs

• Add at least 1 billing descriptor.
  • Shopify: Prefix the descriptor with SP.
  • Shopify France: Prefix with PP.
• If RDR stays on, add 4 ARNs.
• Need help finding a descriptor or ARNs?: Tick I can’t find the Billing descriptor and need Chargeback’s assistance. A specialist will contact you and suggest the same search methods written in our Help Center.

Step 5: Add a Card

• Use a valid, unexpired card. We do not charge it until you add Balance.
• American Express not accepted at this time due to financial regulations in the United Arab Emirates.

What Happens Next

• Your account enters Demo Mode. You can explore the dashboard, and you don't receive chargeback alerts, and you can't prevent chargebacks yet.

• To exit Demo Mode, add Balance up to your account’s Minimum threshold. The amount varies by account and appears in your dashboard.

See the Balance guide for how topping up works.