Adding More Rules to RDR

By default, Chargeback.io only allows you to adjust the Transaction Amount setting for your Rapid Dispute Resolution (RDR) rules directly in the dashboard.

To change your RDR auto-refund amount:

Go to Business settings.
Find the row labeled Auto-refund and click Edit.
Enter the maximum transaction amount you want refunded automatically.
Click Confirm.

RDR will not auto-refund any transactions above this amount. Changes can take up to 5 business days to take effect.

If you want RDR to be stricter or more lenient with which transactions get automatically refunded, keep reading, we’ll walk you through all the available rule options.

🚨 Critical 🚨

⚠️ By Default, RDR only auto-refunds USD. If you have transactions in more currencies, e.g., GBP, tell our customer support the currency(s) you want to add and the auto-refund threshold ASAP.

Otherwise, you will have Declined RDR alerts that we cannot refund.

⚠️ Warning: If a transaction exceeds your RDR rule, you will not get an alert before the chargeback. Thus, there will be no chance to prevent it.

This is unlike Ethoca and CDRN, which still send an alert before the chargeback. Even if the transaction is above the threshold.

How to Create Rules in RDR

Define your rule conditions:

Select an Attribute you want the rule to act on.
1. If you want to add more than one Attribute, submit each as a separate condition or create a new rule.
Choose an Operator based on how you want the rule to match Values.
1. Refer to the "Operator Table" earlier in this guide.
Set a Value for the Attribute.
1. Some Attributes have predefined options. Others allow free-form input.

Once you’ve completed the form, send it to your Chargeback.io support contact. We’ll review the information and submit the rule request to Verifi for you.

Here’s an example of what you could send in:

Rule Name: Transactions in Euros

Condition	Attribute	Operator	Value
1	Currency Code	EqualTo	EUR
2	Dispute Category Code (Reason Code)	EqualTo	13 - Customer Disputes
3	Dispute Sub-Category Code	EqualTo	13.1 - Merchandise/Services Not Received

All three conditions must be met for the refund to happen: the transaction must be in EUR, tied to a customer disputes dispute (code 13), and specifically classified under the "Merchandise / Services Not Received" sub-category (sub-code 1).

Here's an image that summarizes that category / chargeback codes you can use:

⚠️ Each BIN/CAID (business) can have up to 10 different rules. Each rule can have up to 7 conditions. When creating a rule, tell the support specialist which business you’d like the rule to be for.

How Do I Change My RDR Rules?

Reach out to a Chargeback.io support specialist and let them know which Attributes, Operators, and Values you want to update for your RDR rules.

Be as detailed as possible when making your request. Missing information can cause unnecessary back-and-forth, which could delay the rule change process.

How RDR Rules Work

RDR rules are one or more conditions you set to automatically refund transactions through RDR. If you create more than one rule, all conditions must be met for the refund to happen automatically.

If none of the conditions you set are met, the transaction will result in a chargeback, which you’ll need to fight manually.

Conditions are made up of these elements:

Attributes
Operator
Values

We’ll cover each of these in detail throughout the following sections.

⚠️ Attributes, Operator, and Values are mandatory when creating rules. Make sure you don’t leave any of these fields blank.

1. Attributes

You can set the following conditions for RDR to automatically refund transactions:

Attribute	Description
Dispute Category	The reason the customer gave for disputing the transaction.
Dispute Condition Code	Extra details to better explain the dispute reason.
Personal Account BIN	The 6-digit number that identifies the bank tied to your merchant account.
Transaction Date	The date when the purchase happened.
Transaction Amount	The total amount the customer was charged.
Transaction Currency Code	The three-letter currency code for the transaction.
Purchase Identifier	A unique ID assigned to each transaction to help match orders during dispute resolution.

We will provide more examples of these Attributes later under the Values section.

2. Operators

The following Operators act on the Value of your Attributes to determine whether a transaction will be automatically refunded:

Operator	Description
Contains	Must include the specified value.
EqualTo	Must match the specified value.
GreaterThan	Greater than the specified value.
GreaterThanOrEquals	Greater than or equal to the specified value.
IsBlank	No value present. Can be True or False.
LessThan	Less than the specified value.
LessThanOrEquals	Less than or equal to the specified value.
NotEqualTo	Must not match the specified value.
StartsWith	Must begin with the specified value.
IsIn	Must match one of the allowed values.
IsNotIn	Must not match any of the allowed values.

Notes:

Some Attributes can use approximate match operators like StartsWith or Contains. The minimum input for these fields is at least one character or digit.
For IsIn and IsNotIn operators:
- Example values for Transaction Date: 30, 60, or 90 days.
These operators check if the Value matches (or doesn't match) one of the listed options.

3. Values

This provides more information regarding the Attributes and their acceptable formats along with usable operators:

Attribute	Format	Value(s)	Usable Operators
BIN	Number	6-digit issuer BIN	- Contains - EqualTo - IsBlank - NotEqualTo - StartsWith
Transaction Date	Date	Format: MM/DD/YYYY	- EqualTo - NotEqualTo - GreaterThan - GreaterThanOrEqual - IsIn - IsNotIn - LessThanOrEquals - LessThan
Transaction Amount	Number (Must be greater than zero)	Set this to accept all pre-dispute values above, below, or equal to a dollar amount.	- Equal to - NotEqualTo - GreaterThan - GreaterThanOrEquals - LessThanOrEquals - LessThan
Currency Code	ISO 4217	Alphanumeric	- Contains - EqualTo - IsBlank - IsIn - IsNotIn - NotEqualTo - StartsWith
Purchase Identifier	Alphanumeric	Billing descriptor	- Contains - EqualTo - IsBlank - IsIn - IsNotIn - NotEqualTo - StartsWith
Dispute Category	Chargeback Reason Code	Choose one of the following: - 10 - Fraud - 11 - Authorization - 12 - Processing Error - 13 - Consumer	- Contains - EqualTo - NotEqualTo - IsBlank - IsIn - IsNotIn
Dispute Condition Code	NA	Choose a sub-category	- Contains - EqualTo - NotEqualTo - IsBlank - IsIn - IsNotIn