Rapid Dispute Resolution
Visa Certified Acquirers, Processors & ISOs
Global RDR Readiness Status
As defined in March 2020, the April 2021 Visa mandate requires global acquirers to update their systems and processing to comply with Rapid Dispute Resolution (RDR).
Verifi’s clients can view the announcement, here:
Rapid Dispute Resolution: Proper Identification of RDR Transactions and Service Activation
Acquirers:
- Need to properly identify and distinguish RDR-resolved transactions from standard dispute transactions in the following locations:
- Merchant-facing user interfaces (including dispute systems)
- Transaction activity
- Daily and monthly online and offline reporting
- Billing reports
- Must not count RDR-resolved transactions as disputes or include them in the merchant’s dispute ratio. Visa will not recognize RDR-resolved transactions as disputes.
- Must prevent merchants from duplicating a response to disputes resolved through the RDR process. The seller systems and reports have already provided a response to credit the cardholder through the RDR process. Any additional response will be blocked by Visa.
RDR Certified Visa Acquirers
North American acquirers can certify through Visa to the above requirements, with the commitment they are not assessing dispute fees on RDR-resolved transactions and reflecting them separately and distinctly from chargebacks. Some acquirers, though not yet certified, have interim, Visa-approved processes in place to ensure RDR-resolved pre-disputes are not counted as disputes and sellers are credited for any RDR-resolved cases where the acquirer billed a chargeback fee.
Adyen
Associated Bank*
Axiom Bank
Bank of America
Baycoast Bank
BBVA*
Blue Parasol Group LLC
Chase Paymentech
Citi Payment Services*
Citibank*
Concord Transaction Services*
Cross River Bank (Checkout Ltd.)
Deutsche Bank*
Ebocom
Electronic Payment Exchange (EPX)
Etogy
EVO Merchant Services
First American Payment Services
First Bank*
First Commonwealth Bank*
First Financial Bank
FIS Worldpay
FISERV*
Global Payments – Asia Pacific
Global Payments – Australia
Global Payments Card Processing – Malaysia
Global Payments Direct
Global Payments UK
Global Payments Financial Corp – Canada
Heartland Payment Systems
HSBC Bank
HSBC Europe
Huntington*
M&T Bank
Maverick Bancard Inc
Merrick Bank
Metabank*
Moneris
MVB*
North American Bankcard*
Nuvei
Paya
Payverse
Ping AN Bank – Asia Pacific
PNC
Quad City Bank and Trust
Santander Bank*
Square
SunTrust*
Tabapay
Toronto Dominion Bank
VEX Vital
Walmart*
Wells Fargo Bank, Propay
Wells Fargo Merchant Services
West America Bank
[Acquirer readiness as of June 2025]
RDR certified acquirers have registered with Visa that they are reflecting RDR cases separately/distinctly from disputes and do not assess a dispute fee on RDR accepts. Certification is currently only tracked in North America.
Acquirers often have multiple business entities and downstream processor and ISO partners. If an acquirer is listed as RDR certified, their entities and partners are also required to be certified. If you identify a discrepancy, please contact Client Support or you Verifi Relationship Manager.
* Acquirer requires additional technical effort to not bill sellers for RDR. As an interim measure, acquirer has certified with Visa to acknowledge RDR accepted transactions separate from disputes, and refund dispute fees on RDR accepted cases until they complete their technical work.