Stop Chargebacks With Rapid Dispute Resolution (RDR)

This new risk management technique can stop
chargebacks from happening — guaranteed.


What is Rapid Dispute Resolution?

Rapid Dispute Resolution (RDR) revolves around a simple idea: if a disputed transaction is refunded, a chargeback is no longer necessary. Just decide which disputes you are willing to accept liability for — such as cases with certain reason codes or transactions under a given dollar amount. Then the bank will automatically refund any dispute that meets your chosen criteria.

1. Transaction is Disputed

The cardholder contacts the bank to dispute a transaction.

2. RDR is Initiated

The cardholder’s bank activates the RDR workflow.

3. Filters are Applied

The technology consults your pre-set filters to determine whether or not the transaction should be refunded.

4. Refund is Issued

The qualifying transaction is automatically refunded on your behalf.

5. Chargeback is Prevented

The case is closed. A chargeback is no longer necessary.


The Unique Benefits
You Don’t Want to Miss

All chargeback prevention solutions come with clear benefits like keeping chargebacks low, improving the the customer experience, solving issues quicker, and saving fulfillment costs.
But what are the unique qualities that make RDR so useful?

No-Chargeback Guarantee

RDR is one of only two prevention tools that comes with a guarantee. If you refund the disputed transaction, Visa guarantees the case won’t advance to a chargeback.

Automated Efficiency

RDR automatically refunds cases that fit your criteria. Real-time resolution means you don’t have to worry about expired cases or missed opportunities.

Customizable Filters

You have complete control over what is and isn’t refunded. Set rules that yield the best results for your business. Easily adjust filters as your needs and goals change.


Added Value Achieves
Better Results

If you use Midigator to manage RDR, you’ll get a great chargeback prevention solution plus additional benefits you won’t find anywhere else.


Everything You Need,
All in One Place

The more solutions you use, the greater your protection will be. But keeping track of everything can be challenging — unless you have all your solutions in one place.

  • Launch multiple solutions with just one integration
  • Manage a complete strategy from a single account — prevent, fight, analyze, and automate
  • Monitor trends across the entire dispute lifecycle

Insights & Support,
Available When You Need It

Have questions about new rules and processes? Want advice on improving your strategy? We can help. The Midigator team is always willing to share advice and information that will help you achieve better outcomes.

  • Decades of experience means we understand industry expectations
  • Official partnership with Visa offers a direct line of communication and insights on what it takes to succeed
  • On-demand support provides direct access to our team of experts

Incorporating RDR Into
a Complete Strategy

RDR is a useful chargeback prevention solution, but the real value is realized when it is incorporated into a broader management strategy. The more complete your strategy, the fewer chargebacks you’ll receive.

Midigator offers a complete chargeback management strategy so you can achieve the best results with the greatest efficiency possible.


What Our Clients Are Saying

Midigator gives us access to all of the latest programs and services related to chargebacks. They are always on top of the latest news and have deep insights into what the industry is doing and what is coming next. We have always had great service and communication with the team at Midigator.


Sr. Software Engineer II,
Computer Software

Working with Midigator has been extremely easy. Whether it’s the custom reports they share with me or their customer support team getting back to us ASAP whenever we have a question, they cover all bases. It’s been a very positive experience overall.



The reason why I highly recommend Midigator is actually because of the level of care and help provided by our account manager. She has spent so much time helping us, even when it’s not always something that makes Midigator more money. That level of support is unmatched and is why we want to build this relationship with Midigator.


Director of Finance & HR,
Information Services


Frequently Asked Questions

Rapid Dispute Resolution (RDR) is one of several solutions that can be used to prevent chargebacks. The entire dispute lifecycle looks like this:

At Midigator®, we usually recommend merchants use multiple chargeback solutions. The more solutions you use, the greater your protection will be.

Each solution has different functionality, objectives, and benefits. Therefore, you don’t need to critique them on an either-or basis. Because these solutions don’t compete with each other; they complement one another.

As you consider the available options, think of your business’s unique challenges and which solutions would best meet your needs. Our team of experts is always available to talk through the different solutions and help you create the most effective strategy possible. Sign up for a demo if you’d like to learn more.

When you enroll in RDR, you’ll set filters (or rules) for refunds. For example, maybe you want to refund all cases with reason code 10.4. Or maybe you only want to issue a refund if the dispute amount is below $20.

RDR cases that do not fall within the defined ruleset will continue through the standard chargeback process. From there, you can decide whether or not you want to respond to the chargeback.

Yes! You can change your RDR rules at any time. However, updates won’t be immediate. It can take a week or two for the new rules to be adopted.

RDR has a very high adoption rate amongst global issuers. However, not all issuers are currently participating in RDR.

If an issuer doesn’t participate in RDR, all disputes will become chargebacks (regardless of the refund rules you have in place). 

Visa estimates that issuer adoption covers 97% of U.S. disputes and 83% of global disputes.

No, a dispute resolved via RDR will not count against your chargeback ratio.

NOTE: RDR cases shouldn’t count in your chargeback ratio, but sometimes it might appear as if they are.

When an RDR case is sent from the issuer to the acquirer, it travels the same rails as if it were a chargeback. The only difference is the RDR code includes an “M” at the beginning.

Unfortunately, these data elements can sometimes get mixed up.

Because RDR is relatively new, some processors are still trying to solve challenges with reporting. And if there isn’t a clear distinction between RDR cases and chargebacks, it’s possible that your processor’s reporting doesn’t reflect your true chargeback ratio.

If you suspect RDR cases are being counted in your ratio, discuss the issue with your processor’s chargeback team. Ask if they can provide a report of all transactions with a status M.

You can also utilize RDR reporting to tell which are true RDR cases and confirm these transactions will not count against your ratio.

Pricing for all prevention tools is decided by the vendor that created them. In the case of RDR, pricing is set by Verifi. 

Fees are assessed on a per-case basis, regardless of whether or not a refund was issued. 

The fee amount varies by pricing tier. The three pricing tiers for RDR are set by merchant category code (MCC). Your business’s MCC will dictate how much you pay per RDR case. 

When you sign up for a demo of RDR, our sales representative will calculate more specific pricing for your business.

We estimate that RDR is able to stop about 90% of Visa chargebacks. So there are about 10% of cases that are susceptible to chargebacks. And there are three main reasons why.

  1. It can take 2-5 weeks for a chargeback notice to reach you. So when you signed up for RDR, there were chargeback cases already in flight but you didn’t know about them yet. The full effect of RDR will be realized about a month after you sign up.
  2. Globally, RDR has a very high adoption rate. However, there are still some banks that haven’t opted into the process. You’ll still receive chargebacks from banks that aren’t using RDR.
  3. Most merchants set up filters (or rules) for RDR that dictate whether or not a chase should be refunded. Because sometimes, it is better to let a case advance to a chargeback so it can be fought — for example, if you have strong compelling evidence or the dispute amount is very high. Unless you’ve set your rules to refund every single case, you’ll still receive some chargebacks.

If you think your RDR coverage isn’t as good as it should be, our support team can investigate and help troubleshoot.

There should not be any overlap between RDR and other prevention tools. 

And Visa guarantees that refunded cases won’t become chargebacks. However, due to some reporting difficulties, it may look like RDR cases are counted as chargebacks.   

When an RDR case is sent from the issuer to the acquirer, it travels the same rails as if it were a chargeback. The only difference is the RDR code includes an “M” on the end. 

Therefore, these data elements can sometimes get mixed up. Processors are still catching up with the technology, so reporting may lump RDR and chargebacks together. If this happens, your processor reporting wouldn’t reflect your true chargeback ratio. 

The easiest fix is to discuss the issue with your processor’s chargeback team. Ask if they can provide a report of all transactions with a status M. 

You can also utilize RDR reporting to tell which are true RDR cases and confirm these transactions will not count against your ratio.


Want to Use RDR to Prevent Chargebacks?

Sign up for a demo of Midigator today. Find out if RDR is a good fit for your business. Our team of experts will explain how this solution fits into a complete chargeback management strategy and the results you can achieve.

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& Fighting


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