Merchants can now automate refunds in Visa disputes with Verifi’s Rapid Dispute Resolution (RDR). If a dispute from a Visa transaction meets certain criteria set by the merchant, a credit is automatically sent from the merchant bank through to the cardholder. RDR leverages existing transaction and dispute infrastructure to minimize costs and enhance the customer experience.

RDR will be activated for all issuers globally in April 2021. Verifi explains it as an evolution of its legacy Cardholder Dispute Resolution Network™ (CDRN®). CDRN sends confirmed dispute cases to sellers by participating CDRN issuers, enabling sellers to refund within 72 hours. RDR enhances CDRN by “using established rules customized by sellers, providing real-time resolution on eligible disputes”


RDR expedites dispute resolutions with automated responses based on predefined rules set by the merchant. Let’s say you refund every low-ticket transaction under a certain dollar amount, for a particular product or from a certain card-issuing bank, you can program a ruleset to trigger instant refunds.

Merchants can set up to ten rules per BIN, and seven attributes for each rule. The ruleset attributes are:

  • Issuer BIN
  • Transaction Date
  • Transaction Amount
  • Transaction Currency Code
  • Purchase Identifier
  • Dispute Category
  • Dispute Condition Code

If a dispute meets any of the values you set in these attributes, it automatically credits the transaction and a chargeback is avoided. There’s no going into your gateway manually to configure a refund. You don’t even have to look at the dispute; it’s taken care of immediately by the rules you set.


All the stakeholders involved in a transaction benefit from RDR. The merchant spends only the time it takes to configure their ruleset, plus any subsequent optimization of those rules, and their resolutions are then automated. The customer gets their refund immediately, for a better brand interaction. The issuer and acquirer spend minimal time on these disputes as well.


  • Merchants who see multiple identical disputes
  • Merchants of digital subscriptions and virtual products
  • Low-dollar transactions
  • High-risk merchants facing chargeback monitoring programs
  • Low-risk merchants with limited time & resources for dealing with disputes


Merchants enrolled in the ChargebackHelp Plus RESOLVE module have it even better; RDR is built in to CBH+RESOLVE. ChargebackHelp does all the heavy lifting to get merchants up and running. We configure, maintain, and inform your rulesets and empower you to oversee the process with transparency and ease.

If you’re looking to reduce the time and money required to deal with routine disputes, so you can focus on your core business, then you need CBH+RESOLVE. You get RDR, plus the vast array of dispute resolution tools from all card networks, including Visa.

If you’re ready to boost your bottom line and your customer service with superior dispute resolution, get in touch with us today! Shoot us an email, or go old-school and call us at +1.800.975.9905. Our qualified ChargebackHelp specialists will have you up and running in no time.