Why RDR Alerts Result in 'Lost Chargebacks'

This article applies to merchants who receive Rapid Dispute Resolution (RDR) alerts and review those cases in Stripe or Shopify Payments. It does not apply to standard chargebacks that were not resolved through RDR.

RDR alerts may appear as chargeback lost or dispute lost in your payment processor. However, an RDR alert doesn't count toward the chargeback rate that payment processors use for risk actions such as holds, fines, restrictions, or shutdowns.

We reached out to Adyen, a major payment processor, who confirmed that since Verifi is handled by a third party, rates are outside their reporting view:

Some processors show RDR cases in reporting in a way that looks like a lost chargeback. That display can be misleading. The dashboard label doesn't always match how the processor calculates your actual chargeback rate.

If you use Stripe, then an RDR-resolved case doesn't count toward your Stripe dispute rate. Stripe also excludes RDR from the Disputes analytics page.

This is confirmation from Stripe Support that RDR alerts don't count toward chargeback rates.

Stripe does not charge a separate chargeback fee for these cases, which Stripe calls a dispute received fee.

For the first few days, the RDR dispute may appear in your chargeback activity. After that, it's removed from the percentage calculation.

In other words, it doesn't impact chargeback-related metrics such as the Visa Acquirer Monitoring Program (VAMP), based on the reporting treatment Stripe applies to RDR-resolved disputes.

If you want resolved RDR alerts to stop appearing as Dispute Lost during the first few days, then contact Stripe and ask them to activate dispute_network_token.

We also asked a Stripe specialist whether a disabled dispute_network_token is the reason these chargebacks appear to contribute to chargeback rates. They said no.

Because of that, activating dispute_network_token isn't required. It is only an optional display-related setting.

This is what an RDR dispute looks like on Stripe:

An RDR case may also appear as Dispute Lost in Shopify Payments. These perceived lost disputes won't count toward your chargeback rate that results in placement in VAMP or payment processor consequences.

This is confirmation from Stripe Support that RDR alerts don't count toward chargeback rates.

As of 2026, chargebacks stopped by RDR appear in Shopify chargeback rate analytics. Those cases are separated from the standard chargeback rate Shopify uses for account standing, but they are still visible in the chargeback rate that includes RDR.

Use the guide below to learn how to see your true chargeback rate in Shopify.

Here's an example of what an automatically-lost chargeback will look like in Shopify: