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.

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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).

Get the details in the RTR overview PDF →

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.

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.

Learn about the 3 different types of fraud →