European fintech payabl. has partnered with Visa to offer merchants access to the card major’s Rapid Dispute Resolution (RDR) service.
The collaboration will provide merchants across the UK and EU with real-time tools to manage disputes.
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payabl. said the service will help merchants “resolve disputes automatically” at the pre-dispute stage, with the aim of preventing chargebacks. The fintech also said RDR will enable virtual refunds to customers.
The RDR capability is being integrated into payabl.one. Merchants will be able to manage disputes and track RDR activity within the same platform they use for online and in-person payments, multi-currency business accounts, and payouts.
payabl. chief risk officer Oleg Stefanets said: “In payments, every second counts. Our collaboration with Visa brings merchants faster resolution, fewer chargebacks, and a better experience for their customers.
“By embedding pre-dispute automation into payabl.one, we’re reducing friction where it matters most: after the sale. Alongside our fraud monitoring capabilities, this helps merchants reduce dispute ratios. It’s another step in our mission to make money flow, giving businesses clarity and control across every transaction.”
The announcement follows findings from payabl.’s recent fraud report, which identified chargebacks as one of the most common fraud types affecting businesses over the past year.
In a survey of UK-based merchants, 31% said they had been targeted by friendly fraud. The report also found that 71% believe current chargeback rules favour customers and increase costs for businesses.
Stefanets added: “Fraud is no longer just something merchants deal with at checkout; it’s increasingly happening after the sale.
“What we’re seeing is a shift from prevention to management, where teams are spending significant time handling disputes, chargebacks, and claims.
“By automating decisions earlier in the lifecycle, merchants can reduce dispute volumes, stay within scheme thresholds, and take back control of how money flows.”
Earlier this year, payabl. launched Click to Pay with Visa, which the company said is intended to reduce checkout friction and support higher authorisation rates.
