RDR will automatically “accept” a Visa pre-dispute on your behalf, based on the rules you define as part of enrollment. Rules are composed of conditions that mirror the attributes of the disputed transaction, such as the transaction amount or purchase identifier. In the rule evaluation process, the outcome will result in either an "accept" or a "decline" response.
This guide will walk you through everything you need to know to properly set up your rules to avoid chargebacks through RDR.
Rules are composed of the following major elements:
Attribute |
Definition |
Personal Account Number BIN |
6-digit Issuer BIN |
Transaction Date |
Date when the transaction occurred (Ex. Format: MM/DD/YYYY) |
Transaction Amount |
Total amount of the transaction (Ex. Format: 10.00) |
Transaction Currency Code |
ISO currency code of the transaction (Ex. USD) |
Purchase Identifier |
Unique order identifier assigned to every transaction. Transmitted to the Issuer by the Acquirer to identify the customer order for automated resolution. |
Dispute Category |
Code defined by Visa to classify the dispute (Ex. 10- Fraud, 11- Authorization, 12- Processing Errors, 13- Consumer Disputes. Please refer to table below for all Dispute Categories) |
Dispute Condition Code |
Sub-code of the Dispute Category to further classify the Dispute
|
Operator |
Definition |
Contains |
Attribute must include the specified value |
EqualTo |
Attribute must be equal to the specified value |
GreaterThan |
Attribute must be greater than the specified value |
GreaterThanOrEquals |
Attribute must be greater than or equal to the specified value |
IsBlank |
Attribute does not include a value. Can be True or False. |
LessThan |
Attribute must be less than the specified value |
LessThanOrEquals |
Attribute must be less than or equal to the specified value |
NotEqualTo |
Attribute is not equal to the specified value |
StartsWith |
Attribute must start with the specified value |
IsIn |
Attribute must contain the chosen possible values.
|
IsNotIn |
Attribute must not contain the chosen possible values.
|
Attribute |
Format |
Possible Values |
Possible Operators |
Personal Account Number BIN |
Number |
Should be the 6-digit Issuer BIN. |
Contains, EqualTo, IsBlank, NotEqualTo, StartsWith |
Transaction Date |
Date |
Date in MM/DD/YYYY |
EqualTo, NotEqualTo, GreaterThan, GreaterThanOrEquals, IsIn, IsNotIn, LessThanOrEquals, LessThan |
Transaction Currency Code |
Dropdown or freeform |
Alphanumeric ISO 4217 Currency Codes Select the transaction’s currency from the dropdown. You can select multiple values for “IsIn” and “IsNotIn”. |
Contains, EqualTo, IsBlank, IsIn, IsNotIn, NotEqualTo, StartsWith |
Purchase Identifier |
Alphanumeric |
Should be the unique order identifier assigned to every transaction. |
Contains, EqualTo, IsBlank, IsIn, IsNotIn, NotEqualTo, StartsWith |
Dispute Category |
Dropdown or freeform |
Select from the following: 10-Fraud 11-Authorization 12-Processing Error 13-Consumer |
Contains, EqualTo, NotEqualTo, IsBlank, IsIn, IsNotIn |
Dispute Condition Code |
Drop down or freeform |
Select the appropriate code from the table below |
Contains, EqualTo, NotEqualTo |
Here are some principles to keep in mind when determining your rules:
10. Fraud |
11. Authorization |
12. Processing Errors |
13. Consumer Disputes |
10.1 - EMV liability shift counterfeit fraud 10.2 - EMV liability shift non-counterfeit fraud 10.3 - Other fraud-card present environment 10.4 - Other fraud-card absent environment 10.5 - Visa fraud monitoring program |
11.1 - Card recovery bulletin 11.2 - Declined authorization 11.3 - No authorization |
12.1 - Late presentment 12.2 - Incorrect transaction code 12.3 - Incorrect currency 12.4 - Incorrect account number 12.5 - Incorrect amount 12.6 - Duplicate processing/paid by other means |
13.1 - Merchandise/Services not received 13.2 - Canceled recurring 13.3 - Not as described or defective merchandise/services 13.4 - Counterfeit merchandise 13.5 - Misrepresentation 13.6 - Credit not processed 13.7 - Canceled merchandise/services 13.8 - Original credit transaction not approved 13.9 - Non-receipt of cash or load transaction value |