Visa Rapid Dispute Resolution (RDR) helps you resolve potential disputes with Visa cardholders even before they turn into chargebacks by allowing you to automatically or manually refund transactions.
Here is how the process works:
Dispute Alert: A customer questions their Visa transaction with their bank.
VROL Check: The bank checks Visa Resolve Online (VROL) to see what actions have already been taken.
RDR's Turn: Your pre-set rules come into play:
Instantly refund the customer (if your rules dictate). This stops disputes.
The case proceeds as a potential chargeback (if your rules say fight it).
You could also manually refund customers when alerts show up. This would allow your team to investigate transactions to determine whether they are worth fighting.
You do not need to connect a payment processor to your account to enable auto-refund for RDR.
Tip: We explain how to activate automatic refunds here.
How the Tier Is Determined
Each tier is determined by your merchant category code. For instance, if you engage in higher-risk industries like gambling, you will pay more.
Any merchant category code (MCC) not mentioned in tiers 2 and 3 will fall under tier 1.
Here is a table outlining what MCCs fall into each tier (these rates are not the official rates, contact us for your rate):
💡 Tip
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