---
title: "Riverty chargebacks"
description: "Learn about the Riverty chargeback process and guidelines."
url: "https://docs.adyen.com/risk-management/chargeback-guidelines/riverty-chargebacks"
source_url: "https://docs.adyen.com/risk-management/chargeback-guidelines/riverty-chargebacks.md"
canonical: "https://docs.adyen.com/risk-management/chargeback-guidelines/riverty-chargebacks"
last_modified: "2026-06-01T15:33:16+02:00"
language: "en"
---

# Riverty chargebacks

Learn about the Riverty chargeback process and guidelines.

[View source](/risk-management/chargeback-guidelines/riverty-chargebacks.md)

Riverty is a Buy Now Pay Later (BNPL) provider that lets you accept invoice payments that are immediately settled in full.

Shoppers can raise a dispute using the Riverty app when they do not agree with a Riverty payment.

When Riverty informs Adyen that a payment is disputed, we send you a Request for Information that you can review.

You have **14 days** to respond to the first Request for Information, and **5 days** to the second Request for Information to appeal a decision made by Riverty.

You can also receive a [Notification of Fraud](#notification-of-fraud) to notify you of a high fraud risk order. We recommend that you take action immediately to avoid a chargeback.

The flow consists of the following steps:

1. [Request for Information (RFI)](#rfi): A complaint of the shopper has escalated to a dispute. You may let it expire or you can respond by uploading supporting documents.
2. [Information Supplied](#info-supplied).
3. [Optional: Second Request for Information (RFI)](#rfi2): The decision of Riverty on the Information Supplied comes in as a second RFI. You can appeal the case. Your documents to appeal must be uploaded within 5 days after receiving the second RFI.
4. [Optional: Second Information Supplied](#info-supplied2).
5. [Chargeback](#chargeback).

![Diagram of the Riverty chargeback flow](/user/pages/docs/10.risk-management/21.chargeback-guidelines/riverty-chargebacks/flowdiagram.png)

## Notification of Fraud

When Riverty discovers that an order is suspected to be fraudulent, for example when a shopper’s personal details are wrongfully used, they send a Notification of Fraud within hours after authorization.

After receiving this notification, we recommend that you either cancel the transaction or refund the transaction if it was already captured. You normally receive a **NOTIFICATION\_OF\_FRAUD** webhook within 8 hours after the transaction was authorized.

The **NOTIFICATION\_OF\_FRAUD** webhook body contains the following to indicate that it was sent within what Riverty refers to as the cutoff time:

* `OrderCreatedTime`: the timestamp when Riverty recorded that the order was authorized.
* `ReportingCutoffTime`: the final time when Riverty is allowed to report fraud, after which they have the right to raise a chargeback if you do not cancel or refund the transaction.
* `CancellationTriggeredTime`: the time that Riverty triggered the fraud notification.

**Example of NOTIFICATION\_OF\_FRAUD webhook**

```json
{
  "live": "false",
  "notificationItems": [
    {
      "NotificationRequestItem": {
        "additionalData": {
        "riverty.MessageName": "StopOrderRequest",
        "riverty.OrderCreatedTime":"2024-06-27T11:37:04.8571465Z",
        "riverty.ReportingCutoffTime":"2024-06-27T17:00:04.8571465Z",
        "riverty.CancellationTriggeredTime":"2024-06-27T15:37:00.8571465Z"
    },
    "amount": {
       "currency": "EUR",
       "value": 1000
    },
    "eventCode": "NOTIFICATION_OF_FRAUD",
    "eventDate": "2021-01-01T01:00:00+01:00",
    "merchantAccountCode": "YOUR_MERCHANT_ACCOUNT_NAME",
    "merchantReference": "YOUR_MERCHANT_REFERENCE",
    "originalReference": "ORIGINAL_REFERENCE",
    "paymentMethod": "riverty",
    "pspReference": "QFQTPCQ8HXSKGK82",
    "reason": "SuspiciousActivity",
    "success": "true"
    }
  }
 ]
}
```

If a NOTIFICATION\_OF\_FRAUD is sent within the cutoff time, a chargeback is guaranteed if you do not cancel or refund the transaction. To avoid chargebacks, we recommend that you do not ship the goods until the cutoff time has passed.

If the Notification of Fraud comes in after the cutoff time, a chargeback is not guaranteed. We still recommend not to fulfill the order because fraud has been established.

## Request for Information

Riverty notifies Adyen when a payment is disputed. We then send you a [REQUEST\_FOR\_INFORMATION](/risk-management/disputes-api/dispute-notifications#request_for_information) webhook.

You can also find the Riverty dispute notifications in your [Customer Area](https://ca-test.adyen.com/) under **Revenue & risk > Disputes > Requests for Information**.

**Example REQUEST\_FOR\_INFORMATION**

```json
{
  "live": "true",
  "notificationItems": [
    {
      "NotificationRequestItem": {
        "additionalData": {
          "captureMerchantReference": "abcd-1234-5678",
          "merchantOrderReference": "merchant_order_reference",
          "rfiSchemeCode": "riverty",
          "disputeStatus": "Unresponded",
          "modificationMerchantReferences": "abcd-1234-5678",
          "capturePspReference": "WGGJWNT2ZTD3KG2",
          "paymentMethodVariant": "riverty_DE",
          "riverty.reasonId": "R1",
          "riverty.stageId": "S2",
          "rfiReasonCode": "products_not_received",
          "defensePeriodEndsAt": "2025-09-12T06:49:13+02:00"
        },
        "amount": {
          "currency": "EUR",
          "value": 1745
        },
        "eventCode": "REQUEST_FOR_INFORMATION",
        "eventDate": "2025-08-29T08:31:34+02:00",
        "merchantAccountCode": "YOUR_MERCHANT_ACCOUN_NAME",
        "merchantReference": "merchant_reference",
        "originalReference": "KD2G4LJP74MX3W99",
        "paymentMethod": "riverty",
        "pspReference": "RRZJQGL8CSPTNNX3",
        "reason": "The consumer reported that they did not receive the full order.",
        "success": "true"
      }
    }
  ]
}
```

The dispute process starts with an RFI in stage 2 (S2). You have **14 days** to respond to the RFI. If you do not respond, the dispute is lost in the shopper's favor.

To review the RFI:

1. Review the [reason code of the dispute](#dispute-reason-codes).

2. Decide what to do. Either:

   * Respond [to the RFI](#rfi). You need to upload the relevant defense documents within 14 days, using the [Disputes API](/risk-management/disputes-api) or your **Customer Area**.
   * Let the dispute expire. The dispute will then become a chargeback to benefit the customer. A chargeback fee will also be incurred by Riverty.

After you supplied information you cannot edit or add more information during this stage of the process.

## Information Supplied

Adyen received your documents and forwarded them to Riverty. It is no longer possible to change these documents. The **InformationSupplied** journal is booked and we send you an [INFORMATION\_SUPPLIED](/risk-management/disputes-api/dispute-notifications#information_supplied) webhook.

## (Optional) Second Request for Information (RFI)

As soon as your response to the RFI is processed, Riverty assesses the information you supplied and makes a decision within 7 days based on the provided documents.

Riverty’s decision will come in as a second RFI in stage 4 (S4). If you accept Riverty’s decision you can ignore this RFI and let it expire. If you disagree, you can appeal the decision and supply more documents as long as you respond within **5 days**.

We will send you another **REQUEST\_FOR\_INFORMATION** webhook. The field `riverty.decision` in additional data reflects the outcome of Riverty’s arbitration.

**Example of REQUEST\_FOR\_INFORMATION in stage 4**

```json
{
  "live": "true",
  "notificationItems": [
    {
      "NotificationRequestItem": {
        "additionalData": {
          "captureMerchantReference": "abcd-1234-5678",
          "merchantOrderReference": "merchant_order_reference",
          "rfiSchemeCode": "riverty",
          "disputeStatus": "Unresponded",
          "modificationMerchantReferences": "abcd-1234-5678",
          "capturePspReference": "WGGJWNT2ZTD3KG2",
          "paymentMethodVariant": "riverty_DE",
          "riverty.reasonId": "R1",
          "riverty.stageId": "S2",
          "rfiReasonCode": "products_not_received",
          "riverty.decision":"Customer \/ will not pay",
          "defensePeriodEndsAt": "2025-09-12T06:49:13+02:00"
        },
        "amount": {
          "currency": "EUR",
          "value": 1745
        },
        "eventCode": "REQUEST_FOR_INFORMATION",
        "eventDate": "2025-08-29T08:31:34+02:00",
        "merchantAccountCode": "YOUR_MERCHANT_ACCOUN_NAME",
        "merchantReference": "merchant_reference",
        "originalReference": "KD2G4LJP74MX3W99",
        "paymentMethod": "riverty",
        "pspReference": "RRZJQGL8CSPTNNX3",
        "reason": "The consumer reported that they did not receive the full order.",
        "success": "true"
      }
    }
  ]
}
```

If you want to respond to the second RFI, supply documents. There is no other arbitration possible after this appeal has been filed.

## (Optional) Second Information Supplied

Adyen received your documents and forwarded them to Riverty. It is not possible to change these documents.

Based on the information you provided, Riverty assesses the dispute and makes a decision:

* If Riverty accepts the information you supplied, no further journals are booked, and this is the final status.
* If Riverty rejects your defense, you will receive a [chargeback](#chargeback).

## Chargeback

If Riverty does not accept your defense, they initiate a chargeback. The **Chargeback** journal is booked, you receive a [CHARGEBACK](/risk-management/disputes-api/dispute-notifications#chargeback) webhook, and your account is debited.

You cannot defend this chargeback. This is the final status, and the dispute is lost.

## Dispute Fees

A dispute fee is added to certain chargebacks and will appear as **FEE** in your settlement detail report.

Reference Riverty’s documentation for an explanation on the [fee structure](https://docs.riverty.com/bnpl/documentation/dispute_management#dispute-fees).

## Dispute reason codes and guidelines

For a list of Riverty Request for Information reason codes, see [Dispute reason codes](https://docs.adyen.com//risk-management/understanding-disputes/dispute-reason-codes/?tab=request_for_information_1_2#riverty).
