Why should a merchant enroll in both RDR and CDRN?

Both RDR and CDRN serve the same objective of resolving disputes at the pre-dispute stage. A seller would participate in RDR for global Visa coverage, and participate in CDRN for non-Visa issuers and direct-to-Verifi issuers to increase their issuer coverage. So, if the seller’s consumer belongs to cards across Visa’s portfolio and non-Visa cards, then the seller would be fully covered.

CDRN:

• Issuer coverage is North American based representing about 60% of U.S. Issuers.
• CDRN supports all card brands (Visa, AMEX, Mastercard, Discover)

RDR:

• Visa only coverage.  
• 83% global Issuer coverage  with North America at 97% coverage
• Visa does not permit sharing issuers in their issuer network due to the relationships Visa has with the Issuers