Chargeback Protection - Handle Disputes Proactively

In the context of setting up your protection, this refers to your Acquirer BIN, the unique number that identifies the bank processing your transactions.

For Stripe Users:

You can't directly view your Acquirer BIN from the Stripe Dashboard.

The Acquirer BIN is a unique identifier used by card networks and acquiring banks, and it's typically managed behind the scenes by Stripe and its financial partners.

If you need your Acquirer BIN for a specific integration or compliance reason, you may need to work with Stripe or your acquiring bank partner directly.

For most users, this information isn't required for day-to-day Stripe operations.
Your Stripe representative or the support team can provide further guidance on how to obtain and use BIN details.

For Braintree Users:

1. Log in to the Braintree Control Panel.

2. Navigate to Settings -> Business.

3. Scroll down to the Merchant Accounts section.

4. Your Acquirer BIN is typically listed alongside your merchant account details. If it's missing, click "View" on your primary account or contact Braintree support.

In case the Acquirer BIN is not available within your Braintree dashboard, please contact their support team to help you obtain it.

For AuthorizeNet Users:

1. Log in to your Merchant Interface.

2. Click on Account from the main toolbar.

3. Select Merchant Profile.

4. The BIN is often listed under the "Payment Methods" or "Processor" section. If you only see your Merchant ID, you may need to call your Merchant Bank (the bank that handles your deposits) to ask for their 6-digit Acquirer BIN.

In case the Acquirer BIN is not available within your AuthorizeNet dashboard, please contact their support team to help you obtain it.

The CAID is a unique string (up to 15 characters) identifying your specific store location or transaction point. In many systems, this is synonymous with your Merchant ID (MID).

For Stripe Users:

1. In your Stripe Dashboard, go to Settings -> Business Profile.

2. Look for your Merchant ID. It usually starts with acct_.
   For Chargeback Protection, this acct_ ID serves as your unique CAID.

For Braintree Users:

1. Go to Settings -> Business.

2. Your Merchant ID (CAID) is prominently displayed at the top of the "Business" page.

   • Note: Ensure you are using the Merchant ID, not the Merchant Account ID (which is used for specific currencies).

For AuthorizeNet Users:

1. Log in to the Merchant Interface.

2. Go to Account -> Merchant Profile.

3. Your Merchant ID is located in the top section under "Business Information."
   This 8 to 12-digit number is your CAID.

The ARN is a 23-digit tracking number assigned to a transaction as it moves through the banking system. It is required for Visa-specific alert networks like RDR.

To find an ARN (All Gateways):

To retrieve an ARN, you must find a Visa transaction that was refunded at least 3 to 5 days ago. (ARNs are not generated for new sales; they are generated once a refund has cleared the banking system).

1. Search: Go to your transaction or payment history and filter for Refunded transactions.

2. Filter by Card: Select a transaction where the customer used a Visa card.

3. Check the Date: Ensure the refund happened at least 72 hours ago.

4. Locate the Number:

   • Stripe: Open the refund details. Look for "Acquirer Reference Number" or "ARN" in the "Payment Details" or "Timeline" section.

   • Braintree/AuthorizeNet: If the ARN is not visible in your dashboard, copy the Transaction ID of the 3-day-old Visa refund and email your processor's support team: "Please provide the 23-digit Visa ARN for Transaction ID: [Your ID]."
      

Pro-Tip: If you have never issued a refund, you may need to perform a "Test Refund" on a Visa card you own. Wait 4 days after the refund, then follow the steps above to retrieve your first ARN.