Since April 2026 Visa's VAMP flags a merchant at a 1.5% ratio of fraud reports plus disputes against settled card-not-present volume. Mastercard's Excessive Chargeback Program flags at 1.5% with 100 or more chargebacks in a month, and escalates at 3%. Breaching either brings fines, a mandatory remediation plan, and ultimately termination — and most acquirers act on their own internal limits well before the networks do.
Networks provide a short window (typically 24–72 hours) before a dispute becomes a formal chargeback. Pre-dispute alert services allow you to issue a refund and prevent the chargeback — protecting your ratio.
Many chargebacks are friendly fraud that can be won with the right evidence. Professional representment with compelling evidence packages recovers revenue that would otherwise be permanently lost.
Every chargeback loses you both the transaction amount AND the processing fee. Unmanaged chargeback ratios result in higher reserves, higher rates, and eventually terminated accounts that can't be replaced.
Connect Verifi CDRN and Ethoca alert services to receive pre-dispute notifications before chargebacks are filed. Most merchants integrate within 1–2 business days.
Configure auto-refund rules for alert types and amounts where refunding is cheaper than fighting. For eligible disputes, the system automatically resolves before reaching chargeback status.
For chargebacks that proceed, our representment service builds compelling evidence packages using transaction data, IP logs, device fingerprints, and 3DS authentication records.
Receive pre-dispute notification from Visa's network before a chargeback is filed — giving you a window to resolve it.
Mastercard's alert network provides similar pre-dispute resolution capability for Mastercard and additional card types.
Configure threshold-based auto-refunds for alert types where resolving proactively is the right business decision.
We build and submit evidence packages for chargebacks worth fighting — including 3DS data, delivery confirmation, and customer interaction logs.
Real-time visibility into your chargeback ratio by card type, amount range, and dispute reason code — with threshold alerts before you approach risk levels.
Structured evidence templates for each chargeback reason code, designed to maximize representment win rates.
Availability varies by acquiring configuration — your account manager will confirm during onboarding.
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