Chargebacks, Fraud & RDR
Visa RDR, fraudulent orders, chargeback confusion. Decision engines and evidence automation that actually help.
The Problem
Chargebacks feel rigged. Auto-losses, no human review, unclear rules, time pressure, platform blame-shifting.
People don't want more dashboards. They want: "Tell me what to do now so I don't lose."
Visa RDR: What It Is
Visa's Rapid Dispute Resolution (RDR) program automatically resolves certain chargeback types without merchant response. If you're enrolled, you may see auto-losses for:
- Card-not-present transactions under $25
- Fraud-related disputes
- Certain product-not-received cases
Timeline: You typically have 3-5 days to respond, but RDR can auto-resolve faster.
High-Risk Order: What to Do
Step 1: Assess Risk
- Billing/shipping address mismatch
- High-value order from new customer
- Multiple failed payment attempts
- Rush shipping request
Step 2: Verify Order
- Call customer (use phone number, not email)
- Verify billing address
- Check IP geolocation vs shipping address
- Review customer history
Step 3: Decision
If suspicious: Cancel order, refund immediately, block customer.
If verified: Process order, document verification, save evidence.
Evidence Templates That Actually Help
Product Not Received Template
Include:
- Tracking number with delivery confirmation
- Screenshot of delivery status
- Shipping address match (billing vs shipping)
- Customer communication history
- Proof of delivery signature (if applicable)
Unauthorized Transaction Template
Include:
- AVS match confirmation
- CVV verification
- IP address and device fingerprint
- Previous successful orders from same card
- 3D Secure authentication (if used)
Pre-Flight Risk Scoring
Score orders before they ship. Simple rules:
- •High risk: Billing/shipping mismatch + high value + new customer = manual review
- •Medium risk: One red flag = verify before shipping
- •Low risk: Returning customer + matching addresses = auto-approve
Last updated: December 14, 2025
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