Disputes drain resources and hurt profits, especially when they aren’t your fault—whether it’s fraud, forgetfulness, or misunderstandings. A solid dispute-resolution strategy is key to protecting your revenue. 

Visa Rapid Dispute Resolution (RDR), is an automated solution that helps prevent chargebacks and streamlines refunds. 

With Visa RDR, you can set rules to handle disputes, automatically saving you time and effort. Below, we’ll explain how Visa RDR works and how Disputifier can help you win up to 70% of chargebacks.

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Why Chargeback Management is Crucial

Chargebacks aren’t just a financial burden—they can strain relationships with banks, increase fees, and even lead to account termination. On top of that, they damage customer trust and your business reputation. 

That’s why it’s crucial to have a system in place to prevent disputes and improve your success rate in winning them. So, how can Visa Rapid Dispute Resolution help?

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What is Visa RDR?

Visa Rapid Dispute Resolution (RDR) is an automated service that resolves disputes quickly based on preset rules. 

Most merchants use it to issue refunds before a chargeback is formally filed, keeping chargeback ratios low and cutting down on fees. 

RDR offers efficiency and automation compared to Visa’s manual Cardholder Dispute Resolution Network (CDRN), which gives merchants more control but requires more time.

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Why Use Visa RDR?

• Speed & Efficiency: Resolves disputes in hours, saving valuable time.
• Fewer Chargebacks: Prevents chargebacks from hitting your account, protecting your chargeback ratio.
• Customization: Tailor the system to fit your business model and risk levels.
• Cost Savings: Lower fees and faster resolution.

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How Visa Rapid Dispute Resolution Works

Visa RDR simplifies dispute resolution, offering 24/7 protection with minimal effort once set up. Here’s how the process works.

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Setting Up the System

To get started, enroll in the Visa RDR program through a company like Disputifier. After that, you’ll configure the system by setting predefined rules for handling disputes, such as transaction amount, reason code, or customer history.

For example, you might automatically issue a refund for disputes under $50, minimizing your chargeback exposure and ensuring only more serious cases escalate.

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The Dispute Resolution Process

When a cardholder files a dispute, Visa flags the transaction and evaluates it against your rules in real-time. If the dispute matches your parameters, Visa RDR resolves it automatically, typically through an instant refund—saving you from dealing with formal chargebacks. 

Both the merchant and the customer are notified, and you receive a detailed report.

However, if the dispute doesn’t meet your rules for automatic resolution, it will require manual intervention.

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Example

Let’s say a high-volume e-commerce retailer uses Visa RDR. They configure rules to automatically refund transactions under $50 for reasons like "services not rendered" or "item not as described."

 This automation drastically reduces chargebacks and allows the retailer to focus on more complex disputes.

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Defend Your Business with Disputifier

Visa RDR is a strong chargeback prevention tool, but Disputifier takes it further. Our solution can stop up to 99% of chargebacks using a combination of chargeback alerts from Ethoca, Verifi, fraud scanning, and order-not-received prevention.

Not only does our system prevent most chargebacks, but it also increases your win rate to as high as 70% when disputes do occur—compared to the 10-30% industry average.

Plus, Disputifier’s chargeback responses are continuously refined through A/B testing, ensuring you get the best results every time. The best part? You only pay when we win a chargeback, with a guaranteed 5X ROI.

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Wrapping Up Our Guide to Visa RDR Program

Visa RDR offers a quick and efficient way to handle disputes, but a comprehensive chargeback defense strategy, like the one Disputifier offers, provides unparalleled protection for your business.

Want more tips on chargeback prevention and management? Explore our blog for insights on topics like chargeback time limits, pre-arbitration, and how to win chargebacks as a merchant.

Don’t let chargebacks impact your business—protect your revenue with Disputifier today!

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