Prevention

Prevention is Rapid’s solution for real-time dispute deflection. When an issuing bank opens an inquiry about a purchase, Rapid answers right away with the original order data, and the dispute never becomes a chargeback.

You do not call any Prevention endpoint: it works from the transactions you already send. The integration work is sending the transactions with the right fields, described in Integration.

How it works

1. You send your sales transactions to Rapid through the Transactions API
2. When the issuing bank inquires about a disputed transaction, Rapid automatically finds the matching transaction among the ones you sent
3. Rapid answers with the order data: merchant, items purchased, shipping address and buyer data
4. With that, the bank can close the dispute before it becomes a chargeback

Types of protection

Both happen on their own. You do not choose one or the other: Rapid uses whichever the transaction data allows, and both can apply to the same purchase.

Purchase recognition

Shows the cardholder, through their bank, the order details: what was bought, when and from whom. It resolves the dispute that starts because the person did not recognize the charge. It works with the minimum transaction fields.

Fraud protection

Proves that the buyer is the card owner, with signals from the purchase: IP, device, the customer’s account in your system and shipping address. It can automatically close a fraud dispute. It requires two signals, described in Integration.