From an episode of B2B Vault Podcast
Featuring Mark Wagner from Disputifier | B2B Vault Podcast Recap
Chargebacks have always been a challenge for merchants, but Visa’s new Visa Acquirer Monitoring Program (VAMP) is set to make managing them even tougher.
In this blog, we recap key insights from our latest B2B Vault Podcast episode with Mark Wagner, CEO of Disputifier, to help you understand:
Visa’s updated monitoring system means stricter oversight for merchants with excessive chargebacks. Whether you run an E-Commerce business or handle high-risk transactions, understanding these changes is crucial for staying compliant and avoiding costly penalties.
Stay ahead of the curve by learning how to minimize disputes, strengthen fraud prevention, and keep your chargeback ratio under control.
While VAMP is technically triggered only when a processor or merchant gets 1,500 chargebacks in a single month, Small Businesses will still feel the effects—especially if they’re in e-commerce or on a high-risk processor.
Even if your own volume is low, your processor’s dispute ratio could increase your fees dramatically.
Visa is now double-counting fraud-related disputes—first with a TC40 fraud alert, then with the chargeback itself. This makes dispute ratios look worse and penalties more likely. Merchants can now expect:
Mark Wagner announced Disputifier now offers an AI-powered fraud scanning tool:
This is essential for preventing friendly fraud, where legitimate customers abuse the chargeback system.
On top of VAMP, the FTC’s “Click-to-Cancel” rule can now fine merchants $55,000+ per violation. Add California’s stricter rules and upcoming enforcement on free trial disclosures, and the stakes are high.
You need:
Many merchants assume chargebacks are just an e-commerce issue. Not true. We’ve seen increasing EMV disputes and retrieval requests even in Retail. The real issue? Most card-present systems lack fraud tools and auth fail-safes.
Don’t wait until your business hits a compliance wall. Here’s your checklist:
Monitor your chargeback and fraud ratios
Implement fraud tools before scaling
Use age verification for high-risk or regulated products
Clearly communicate return/shipping policies
Ensure 3D Secure or other auth protocols are in place
Work with a trusted processor who supports your Growth
From an episode of B2B Vault Podcast
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Visa Acquirer Monitoring Program, a compliance initiative targeting chargebacks and fraud.
End of September 2025, but enforcement and ratio tracking are already in motion.
No. If your processor breaches the 0.5% dispute ratio, you pay higher fees, even with fewer chargebacks.
Partially. It won’t remove fraud alerts, which are now separately counted against you.
Yes. Legacy tools like AVS checks are not enough. AI fraud tools with real-time scanning are critical.
The post Visa VAMP Rules 2025: What E-Commerce Merchants Must Know About Chargebacks appeared first on Customized Payment Processsing Solutions.
