> ## Documentation Index
> Fetch the complete documentation index at: https://funnelfox.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Dispute prevention

> Prevent chargebacks with FunnelFox Billing. Intercept disputes automatically before they reach card networks and protect your merchant account.

FunnelFox Billing dispute prevention alerts you about pending chargeback disputes before they reach card networks, reducing the risk of your payment provider account being blocked.

You can [set up](/billing/disputes#setup) dispute prevention from scratch or [migrate](/billing/disputes#migration) from another tool.

<Info>This is a paid service. Please contact your Solutions Manager to enable it.</Info>

## How it works

FunnelFox Billing intercepts disputes before they become chargebacks. Compare the two scenarios below to see the difference.

**Without dispute prevention:**

<Steps>
  <Step title="Customer files a dispute">
    Customer files a transaction dispute with their bank.
  </Step>

  <Step title="Card network processes chargeback">
    Card network processes the chargeback and withdraws funds.
  </Step>

  <Step title="Account block risk">
    PSP blocks your merchant account due to frequent chargebacks.
  </Step>
</Steps>

**With dispute prevention enabled:**

<Steps>
  <Step title="Customer files a dispute">
    Customer files a transaction dispute with their card issuer.
  </Step>

  <Step title="Automatic refund">
    FunnelFox Billing automatically refunds the transaction before it becomes a chargeback.
  </Step>

  <Step title="Account stays protected">
    Your merchant account remains in good standing since no chargeback is recorded with the card network.
  </Step>
</Steps>

## Setup

To enable dispute prevention, provide your merchant account details and connect your Stripe account. This allows FunnelFox Billing to monitor and respond to disputes automatically.

Before you start, ask your Solutions Manager to enable dispute prevention, then follow the steps below.

### 1. Provide identifiers

Collect the following details and send them to your Solutions Manager.

<Steps>
  <Step title="Billing org ID">
    Your Billing org ID is part of your FF Billing dashboard URL: `https://billing.funnelfox.com/{ORG_ID}/`

    Copy the `{ORG_ID}` portion from your browser's address bar.
  </Step>

  <Step title="Bank details (BIN/CAID)">
    Provide your **BIN** (Bank Identification Number) and **CAID** (Card Acceptance ID). Contact Stripe Support to get these values.

    <Warning>
      If you have a new Stripe account or low transaction volume, Stripe Support may not be able to provide BIN/CAID. Make 2 live purchases first — one with a Mastercard and one with a Visa card. You can do this quickly using [Stripe Payment Links](https://stripe.com/docs/payment-links).
    </Warning>
  </Step>

  <Step title="Billing descriptor">
    Your billing descriptor is the text shown on your customer's card statement. If you use one Stripe account with multiple apps, provide a descriptor for each app.

    To find your billing descriptor:

    1. Log in to your [Stripe Dashboard](https://dashboard.stripe.com/).
    2. Go to **Settings** in the top right corner.
    3. Select **Business > Business details**.
    4. Find yoour billing descriptor under the **Statement descriptor**.

    <Frame>
      <img src="https://mintcdn.com/funnelfox/mzvWxhWrIXKW-Ojk/assets/chargeback-descriptor.gif?s=295b598da8867f9a0810ba2cdd1becb9" width="1920" height="880" data-path="assets/chargeback-descriptor.gif" />
    </Frame>
  </Step>

  <Step title="Visa ARNs — optional">
    If you cannot find your BIN/CAID, provide Visa Acquirer Reference Numbers (ARNs) for 5 recent transactions instead.

    You can find ARNs in your Visa transactions where a refund has already been processed.
  </Step>
</Steps>

### 2. Create restricted key

1. Log in to your [Stripe dashboard](https://dashboard.stripe.com/login).

2. Go to **Developers > API keys** at the bottom left.

<Frame>
  <img src="https://mintcdn.com/funnelfox/mzvWxhWrIXKW-Ojk/assets/chargeback-api-keys.png?fit=max&auto=format&n=mzvWxhWrIXKW-Ojk&q=85&s=8ad5ea6947d11a1e0d49781e8033ca73" width="1920" height="879" data-path="assets/chargeback-api-keys.png" />
</Frame>

3. Click **+ Create restricted key**.

<Frame>
  <img src="https://mintcdn.com/funnelfox/mzvWxhWrIXKW-Ojk/assets/chargeback-create.png?fit=max&auto=format&n=mzvWxhWrIXKW-Ojk&q=85&s=e8385f814bbc7576fb8306c44ed3bf93" width="1920" height="879" data-path="assets/chargeback-create.png" />
</Frame>

4. Select **Building your own integration** and click **Continue**.

<Frame>
  <img src="https://mintcdn.com/funnelfox/mzvWxhWrIXKW-Ojk/assets/chargeback-building.png?fit=max&auto=format&n=mzvWxhWrIXKW-Ojk&q=85&s=a08e82abd61cca639fcd444058bf4adb" width="1920" height="879" data-path="assets/chargeback-building.png" />
</Frame>

5. Name your key.

6. Set the following permissions:

* **Charges and refunds**: Write
* **Invoices**: Read
* **Credit notes**: Read
* **Subscriptions**: Write
* **Connect category**: Read

<Frame>
  <img src="https://mintcdn.com/funnelfox/wJJG_lrM6tVCYlLI/assets/chargeback-permissions.gif?s=53937e746aafe58b462ef6df7b943a98" width="1920" height="880" data-path="assets/chargeback-permissions.gif" />
</Frame>

7. Click **Create key**.

8. Provide the key to your Solutions Manager.

### 3. Set up FunnelFox Billing webhook

<Info>
  Skip this step if you've already completed the **Set up FunnelFox Billing webhook** step during your [FunnelFox integration](/billing/integration-billing-funnelfox) or [Web SDK integration](/billing/integration-web-sdk) setup.
</Info>

1. Click **+ Add destination** on the [Developers > Webhooks](https://dashboard.stripe.com/webhooks) page in Stripe.

2. Select **Your account** under **Events from**.

3. Select the following events and click **Continue**:

* **charge.refunded**
* **charge.succeeded**

4. Select **Webhook endpoint** under **Destination type** and click **Continue**.

5. Find your **Organization ID** in your FF Billing dashboard URL: `https://billing.funnelfox.com/{ORG_ID}/`

6. Replace `{ORG_ID}` in `https://billing.funnelfox.com/{ORG_ID}/v1/stripe/webhook?region=default` with your Organization ID.

<Tip>Your complete endpoint URL will look like `https://billing.funnelfox.com/org_123a4b5678c9d0/v1/stripe/webhook?region=default`.</Tip>

7. Paste the endpoint URL into the **Endpoint URL** field and click **Create destination**.

<Check>Your setup is complete. Due to the Visa and MasterCard application review process, this integration will go live in approximately two weeks.</Check>

## Migration

If you're already using a dispute prevention tool, you can migrate to FunnelFox Billing dispute prevention without going through the full setup.

Your existing tool can transfer your account details, including BIN, descriptor, and identifiers directly to Merchanto, so you don't need to collect and provide them manually.

<Steps>
  <Step title="Contact your existing dispute prevention provider">
    Send the following message to your current dispute prevention tool to initiate the transfer.

    <Accordion title="Transfer request message">
      Hi Team,

      Hope all is well.

      We have decided to start working with a new provider. Could you please transfer our account to the new provider?

      Here are their details for the transfer:

      Ethoca - LeadProm - USD Account MM ({ETHOCA_ACCOUNT_NUMBER})

      Verifi - Entity ID: {VERIFI_ENTITY_ID}

      Organization ID: {ORGANIZATION_ID}

      Additionally, could you please provide the Ethoca and Verifi IDs of our account, so that our new provider can also open a transfer ticket on their side?

      Please initiate the transfer process, and our new provider will confirm the transfer from their end.

      Best regards,
    </Accordion>

    <Info>Contact your Solutions Manager to get the FunnelFox Billing values for `{ETHOCA_ACCOUNT_NUMBER}`, `{VERIFI_ENTITY_ID}`, and `{ORGANIZATION_ID}` before sending this message.</Info>
  </Step>

  <Step title="Complete the remaining setup steps">
    Once the transfer is initiated, complete [steps 2 and 3 from the Setup section](#setup) above to create a restricted Stripe key and set up the FunnelFox Billing webhook if you haven't already.
  </Step>
</Steps>