Midigator

Midigator is a chargeback management platform that helps businesses prevent disputes and recover lost revenue from chargebacks. The platform automatically processes prevention alerts, handles rapid dispute resolution (RDR), and manages chargeback representment.

VRIO integrates with Midigator to automatically sync transaction data and handle dispute notifications, enabling automated responses to prevent chargebacks before they occur.

How VRIO + Midigator Works Together

The Protection Flow

1. Transaction completed → VRIO automatically sends order details to Midigator
2. Dispute occurs → Midigator receives alerts from card networks (Ethoca/Verifi)
3. Smart decision → Automatically refund prevention alerts or fight winnable chargebacks
4. You stay protected → Recover revenue and prevent ratio damage

What Events Does Midigator Track?

Midigator listens for this key event in your VRIO platform:

• Order Updated → Automatically sends transaction details to Midigator when orders are modified

Additionally, Midigator sends webhooks back to VRIO for:

• Chargeback notifications → When disputes are filed against your transactions
• Prevention alerts → Early warnings from Ethoca/Verifi before disputes become chargebacks
• RDR alerts → Visa's rapid dispute resolution notifications

This creates a complete chargeback defense system with real-time data flow in both directions.

Getting Started

What You'll Need

• Active Midigator account
• API Token from your Midigator dashboard
• CRM GUID provided by Midigator

If you can't locate these items, reach out to your Midigator account manager for assistance.

Quick Setup Guide

1. Add the Connection

   • Go to Settings > Connections > Add New Connection
   • Find Midigator under the "Chargeback Representment" category
   • Click "Connect Now"

   

   
   

2. Enter Your Credentials

   • Connection Name: Something descriptive like "Midigator Production"
   • API Token: Get this from your Midigator dashboard
   • CRM GUID: Provided by Midigator for webhook integration. This value is passed back to Vrio in all webhooks and must match to process the webhook events from Midigator.

3. Choose Merchants (Optional)

   • Select specific merchants if you only want to sync certain ones
   • Leave empty to sync all transactions across all merchants

4. Save and Activate

   • Click "Save" to complete the setup
   • VRIO automatically configures webhooks with Midigator

What Data Gets Shared?

VRIO automatically sends transaction details to Midigator to build the strongest possible defense:

Transaction Information

• Order ID and transaction details
• Customer billing and shipping information
• Product details and order amounts
• Payment method information

Supported Payment Methods

VRIO sends these payment types to Midigator:

• Credit Cards
• Apple Pay
• Google Pay
• PayPal

Other payment types (ACH, bank transfers, etc.) are not sent.

Real-Time Updates

The Midigator connection listens for all Order Updated events, the changes are automatically sent to Midigator to ensure they have the most current information for dispute handling.

View what data was sent to Midigator on the customer screen under the Webhooks tab.

How the Midigator Connection Works

Prevention Alerts: Stop Disputes Early

When Ethoca or Verifi alerts come in through Midigator, Vrio will do the following:

• 🔍 Locate Transaction automatically
• 💰 Issues appropriate refund (full, partial, or reports if already refunded)
• 📝 Update Midigator with resolution status

RDR Alerts: Visa's Fast Track

When Visa's Rapid Dispute Resolution alerts come in through Midigator, Vrio will do the following:

• 🔍 Locate Transaction automatically
• 💰 Records details for reporting and analysis, no refund is issued

Chargeback Handling

When chargeback alerts come in through Midigator, Vrio will do the following:

• 🔍 Locate Transaction automatically
• 💰 Records details for reporting and analysis, no refund is issued

Where to See Results

After Midigator handles disputes, you'll find details in two places:

Webhooks Tab

On the customer screen, see exactly what data was sent to Midigator and any responses received.

Transaction History

Chargebacks, Prevention alerts and RDR actions are created as new transactions in Vrio for reporting.

Troubleshooting Common Issues

🔴 Transactions Not Syncing

Check These:

• API Token is correctly entered from Midigator dashboard
• CRM GUID matches what Midigator provided
• Connection is marked "Active"
• Transaction amounts are greater than $0

🔴 Webhooks Not Received

The Problem: Not getting chargeback or alert notifications

The Fix: Webhooks are configured automatically during setup. If notifications aren't coming through, reach out to your Midigator account manager.

🏥 Need Help?

Check connection logs in VRIO:

1. Go to the customer screen
2. Click the "Webhooks" tab to see what was sent to Midigator
3. Error messages will show exactly what went wrong

For credential issues, contact your Midigator account manager for assistance.