Product Feature

Real-time Resolution

Real-time Resolution (RTR) is a first-of-its-kind solution that catches invalid disputes at the source and prevents them from being filed. RTR stops up to 30% of Visa disputes from proceeding past an inquiry.

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Product Feature

Real-time Resolution

Real-time Resolution (RTR) is a first-of-its-kind solution that catches invalid disputes at the source and prevents them from being filed. RTR stops up to 30% of Visa disputes from proceeding past an inquiry.

GET A DEMO

Why RTR matters

Put a stop to invalid disputes

Issuing banks have made it very easy for customers to dispute transactions. As a result, the misuse of chargeback rights (whether intentional or not) runs rampant. With Real-time Resolution, the dispute analyst can use enhanced transaction details to decide if the dispute is invalid and prevent it from being filed.

How RTR works

Live communication with VROL

Real-time Resolution (RTR) in the Chargeback App enrolls merchants in Visa Merchant Purchase Inquiry (VMPI)—allowing for real-time communication of customer, order, and product detail to Visa’s dispute management platform, Visa Resolve Online (VROL).

What RTR does

Enhanced data enables better decision-making

RTR combines supplemental transaction information gathered by the Chargeback app with the related Visa transaction data. This better equips dispute analysts to make informed decisions on whether or not a dispute should be filed. Typically, this level of transactional, customer, and product detail isn’t made available until well after the dispute has been officially filed.

HERE'S WHAT HAPPENS

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1. Cardholder contacts their card issuer and is connected to a Dispute Analyst.

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2. Dispute Analyst conducts a VROL-Transaction Inquiry.

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3. VROL recognizes the merchant as a Chargeback client and generates a RTR Inquiry.

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1. Cardholder contacts their card issuer and is connected to a Dispute Analyst.

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2. Dispute Analyst conducts a VROL-Transaction Inquiry.

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3. VROL recognizes the merchant as a Chargeback client and generates a RTR Inquiry.

 
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4. The Chargeback App renders a response containing customer, order, product and related detail within seconds.

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5. Response detail is provided to the cardholder by the Dispute Analyst.

Optionally, the response can include a customer credit notification (refund) in cases where merchants wish to credit the cardholder prior to receiving a chargeback. This prevents the dispute from being filed.

 
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4. The Chargeback App renders a response containing customer, order, product and related detail within seconds.

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5. Response detail is provided to the cardholder by the Dispute Analyst.

Optionally, the response can include a customer credit notification (refund) in cases where merchants wish to credit the cardholder prior to receiving a chargeback. This prevents the dispute from being filed.

 
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  • On average, how many disputes (or chargebacks) do you have per month?
    • Average dispute ($100) + Bank fees ($20) + Cost of responding ($34)
  • This field is for validation purposes and should be left unchanged.

RTR calculator

Your first line of defense against invalid disputes

With Real-time Resolution, the dispute analyst can use transaction details to decide if the dispute is invalid and prevent it from being filed. In cases of friendly fraud, the additional data helps jog the cardholder’s memory about the purchase. And in cases where the cardholder is trying to intentionally misuse their chargeback rights, the extra layer of confirmation acts as a critical deterrent from proceeding with the dispute.

Get more detail — Download the RTR Overview

Ready to enroll in RTR?

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