Find your ceiling

Send us your Visa dispute history and average order value. We will come back with the rule set that pays, and the amount above which refunding starts costing you more than fighting.

We reply within one business day.

Visa RDR

Write the rule once. Visa does the rest.

Rapid Dispute Resolution lets you decide in advance which Visa disputes are not worth arguing about. Anything matching your rule is refunded at the issuer, automatically, before a chargeback is ever created. Nobody on your side sees a case.

  • No chargeback, so no ratio hit and no network fee
  • Rules by amount, dispute category and MID
  • Runs alongside alerts and representment, not instead of them
Follow a dispute through the rule
Enrolled through
Visa Verifi, a Visa solution Mastercard Ethoca by Mastercard
0%

Of US Visa disputes reachable by RDR

Visa's own published figure. 83% globally.
0

Chargebacks created when a dispute matches your rule

0

Things a rule can key on: amount, category, MID

~5days

For a rule change to reach every issuer

So it is a strategy, not a switch.
The mechanism

One question, asked
before you hear about it

Every Visa dispute against your MID is measured against the rule you wrote. What happens next depends entirely on the answer.

01

The cardholder disputes

They call their bank about a Visa transaction. Nothing has reached you yet.

02

Visa reads your rule

Through Verifi, the dispute is checked against the amount, category and MID conditions you set.

03

Does it match?

A yes or no answered by the issuer in real time, with nobody on your side involved.

If it matches

Refunded at the issuer

The cardholder is credited automatically and the case closes there. No chargeback is created, so nothing enters the ratio, there is no network fee and no deadline to watch. You see it in the report, not in an inbox.

If it does not

It carries on as a chargeback

The dispute follows the ordinary path and lands with your acquirer. That is where representment picks it up, which is the whole reason RDR is set to catch only the cases you were never going to fight.

See how representment takes it

An illustration of the rule view. Sample thresholds, not a recommendation.

The rules

A ceiling, a category and a MID

That is the whole vocabulary. The skill is not in writing the rule, it is in knowing where to put the ceiling, and that depends on numbers most merchants have never pulled together.

  • A refund ceiling Below this amount, arguing costs more than conceding. We work it out from your average order value and your real win rate, not a round number.
  • Dispute categories Fraud, cancelled recurring, goods not received and the rest can each carry their own ceiling, because your odds are not the same on all of them.
  • Per MID, where it matters A subscription MID and a high-ticket MID should not share a rule. Enrolment is per MID anyway, so the split costs you nothing.
  • Reviewed, not set and forgotten The right ceiling moves with your order values and your win rate. We revisit it quarterly and tell you when the numbers say to move it.
What each path costs

The same $60 dispute,
three different endings

RDR is not free and it is not always right. It is the cheapest ending on small cases, which is exactly what the ceiling is for.

Lost as a chargeback

You loseThe $60, plus the goods
Network feeCharged on top
Your ratioCounted against you
Your teamNothing to do, no chance to act

Won at representment

You loseNothing, the $60 comes back
Network feeReversed with the case
Your ratioReversed
Your teamAn approval, then 30 to 45 days of waiting

Resolved by RDR

You loseThe $60, plus the RDR fee
Network feeNone, no chargeback exists
Your ratioUntouched
Your teamNever sees it

On a $60 case the middle column wins on paper and loses on effort. On a $600 case that flips completely, which is the entire argument for setting the ceiling deliberately rather than leaving it at the default.

The stack

RDR is one layer,
not the whole defence

It only reaches Visa, and only the cases you told it to take. Run on its own it leaves most of your exposure untouched.

01 A team watching dispute activity across several screens

Prevention alerts

Cover Mastercard through Ethoca and the Visa cases RDR does not take. They reach a person, so you keep the decision on the larger amounts.

How alerts work
02 Two colleagues assembling case notes over a laptop

Representment

Takes everything above your ceiling and everything RDR could not reach. This is where the cases worth actual money get answered with evidence.

How filing works
03 A rule being signed off on paper before it goes live

Visa RDR

Clears the small Visa cases automatically so the other two layers are pointed at the disputes that actually carry a number worth arguing over.

Set the ceiling

An illustration of coverage. Your own network mix decides how much RDR can reach.

Dispute paperwork and a calculator spread across a desk
The honest part

Where RDR stops working

It is the closest thing to a switch in this industry, which is exactly why it gets oversold. Four things worth knowing before you turn it on.

  • Every match is a refund RDR does not win anything. It concedes, quickly and cheaply. Set the ceiling too high and you will refund cases you would have won on evidence.
  • It is Visa and nothing else Mastercard, Amex and Discover disputes carry on exactly as before. On a typical card mix that leaves about half your exposure to the other two layers.
  • Rules move slowly A change can take around a week to reach every issuer. If your ratio spikes on Monday, RDR is not the lever you reach for that week.
  • It hides the cause A confusing descriptor or a hard-to-find cancel button will keep producing disputes, and RDR will keep quietly paying for them. We report on what is generating the matches so the rule does not become a subscription to your own problem.
Client feedback

Merchants running
RDR with us

The insights are incredibly detailed yet easy to understand. We’ve improved internal processes and reduced chargeback ratios below the industry average.
J James CarterCOO of Digital Cart Inc.
We had no idea how much money we were losing to avoidable chargebacks. The reports gave us clarity and control we didn’t know we needed.
R Rachel MorganFounder of Morgan Wellness
With customizable dashboards and automated alerts, our team can finally respond to disputes strategically instead of reactively.
E Emily ReyesVP of Risk at Sublytics
FAQ

RDR, answered plainly

If the question is about your own MIDs, your own mix or where your ceiling should sit, ask it directly. An analyst answers, not a chatbot.

Ask us instead

Rapid Dispute Resolution is a Visa service, run through Verifi, that lets you pre-authorise refunds. You write a rule describing which Visa disputes you are willing to concede. When one arrives that matches, the issuer credits the cardholder automatically and the case ends there. No chargeback is created, so there is nothing to answer and nothing to win.

Three things: the disputed amount, the dispute category, and which of your MIDs the transaction ran through. Most merchants start with a single amount ceiling across everything, then split it by category once there is enough history to show that fraud claims and cancelled subscriptions do not deserve the same treatment.

Nothing unusual. It carries on as an ordinary chargeback and reaches your acquirer the way it always would. That is where representment picks it up, and it is the reason the ceiling matters: everything above it is a case you have chosen to fight rather than concede.

Most do. Visa's own published figure is that RDR reaches around 97% of US disputes and 83% globally. It is not universal, and the gap is mostly smaller and overseas issuers. Before enrolment we run your recent Visa disputes against the network so you know what share of them your rule would actually have caught.

No. The ratio counts chargebacks, and a dispute resolved through RDR never becomes one, so it does not enter the number Visa's monitoring programme measures you on. Visa does still see the volume flowing through the rule, which is one more reason not to treat a very high ceiling as a way of making a problem invisible.

Allow about a week for a change to reach every issuer. Enrolment itself is usually a few business days per MID. This is worth planning around: RDR is a setting you tune over quarters, not a control you reach for in a bad week.

There is a fee per resolution, on top of the refund itself. It is materially less than a chargeback fee, which is why RDR wins on small cases, and it is not free, which is why the ceiling exists. You get the rate in writing with the break-even against your average order value before anything is enrolled.

No, and this is the mistake we see most often. A high ceiling turns every winnable Visa case into a refund you paid for twice, once in the lost sale and once in the RDR fee. The ceiling should sit at the amount where your real win rate stops covering the cost of filing. For most merchants that number is a good deal lower than they expect, and it is different for fraud claims than for cancelled subscriptions.
Get Started

Find out where your ceiling should sit

Send us three months of Visa disputes. We will show you what share RDR would have reached, what each ceiling would have cost against what it would have saved, and the amount above which you are better off filing.

Get My RDR Rule Set support@charge-guard.com

We reply within one business day. No spam, ever.