payabl. expands Visa partnership to bring Rapid Dispute Resolution to merchants in the UK and EU

payabl. has extended its relationship with Visa to give merchants in the UK and EU access to real-time dispute management tools, with Rapid Dispute Resolution (RDR) now available through payabl.one. For high-risk merchants, the point is simple: fewer disputes that turn into chargebacks, less manual work, and one more layer of control inside the same platform used for payments, accounts, and payouts.

1. Through the collaboration, payabl. will offer Visa’s Rapid Dispute Resolution service, which lets merchants auto-decision pre-disputes in real time and resolve issues before they become chargebacks. Visa says the tool is designed to lower dispute ratios, improve operational efficiency, and preserve customer trust.
2. The setup is embedded directly into payabl.one, so merchants can manage disputes and monitor RDR activity from the same platform they already use for online and in-person payments, multi-currency business accounts, and payouts. payabl. also says the solution can help merchants issue refunds virtually, which is the sort of thing that tends to matter once the sale is already done and everyone wants the case to disappear quickly.
3. Oleg Stefanets, Chief Risk Officer at payabl., said the collaboration brings “faster resolution, fewer chargebacks, and a better experience” for customers, and that embedding pre-dispute automation reduces friction after the sale. He also tied the rollout to payabl.’s fraud monitoring capabilities and said it should help merchants reduce dispute ratios.
4. Dan Parsons, Head of Acceptance Sales, Visa Europe, said proactively managing disputes is critical to reducing their impact on merchants’ businesses. In Visa’s framing, the joint setup helps European merchants address disputes earlier in a way that minimises disruption and supports long-term growth.
5. The backdrop here is not subtle. payabl.’s recent Fraud report found that chargebacks are now one of the most common fraud types affecting businesses over the last year, with 31% of UK-based merchants surveyed saying they had been targeted by friendly fraud and 71% saying current chargeback rules favour customers and cost businesses money.

That matches broader numbers from Visa’s 2026 Global ecommerce Payments & Fraud Report: nearly two-thirds of merchants, or 64%, reported an increase in first-party misuse (FPM), also known as friendly fraud, over the past year, and one in four said the increase was 25% or more. For PSPs and high-risk merchants, that is the real operating problem here: the dispute stack is becoming a cost centre, and the faster you can automate the pre-dispute layer, the less time you spend funding avoidable chargebacks.