Rapid Dispute Resolution

Rapid Dispute Resolution (RDR) is an automated dispute management system developed by Visa that resolves transaction disputes in real time, before they escalate into formal . It reduces processing time, administrative costs, and merchant disruption by allowing automatic refunds for qualifying disputes based on predefined business rules and risk criteria.

RDR uses rule-based engines to evaluate dispute notifications against merchant-defined criteria, such as transaction amounts, dispute reason codes, merchant category restrictions, and historical patterns. When disputes meet these parameters, refunds are processed within seconds, preventing escalation to formal chargebacks.

RDR lowers chargeback ratios, reduces manual research and response work, and improves customer satisfaction through immediate dispute resolution. Merchants gain control over dispute management costs and maintain customer trust, while issuing banks benefit from lower administrative overhead and enhanced cardholder experience, without compromising fraud protection or dispute rights.