Blog di chargeback
Our blog teaches you everything you need to know about chargebacks and the payment industry. As well as some case studies from us.
Average Chargeback Rate: Benchmarks and Network Thresholds
The average chargeback rate across all industries is 0.60%. To avoid penalties, don’t chargeback rates of 0.9% (for Visa) and 1.5% for other card networks. Keep reading for more vital information.
What Is a Chargeback Analyst? Role, Salary, and Hiring Guide
A chargeback analyst investigates disputes, evaluates evidence, and prepares responses that help merchants recover revenue.
What Is a Chargeback Fee? Processor Costs and How They Escalate
A chargeback fee is a flat, non-refundable charge from your processor on every dispute (ranging $0 at Square to $20 at PayPal/Amazon Pay), separate from network fines that stack on top once your dispute ratio crosses a monitoring threshold.
Chargeback Insurance: What It Costs and Covers
Chargeback insurance protects businesses from financial losses caused by fraudulent credit card transactions. It's ideal for high-risk businesses, including online retailers. Keep reading to learn whether it’s worth considering.
The Ultimate Guide to Visa Compelling Evidence 3.0 (CE3.0)
Visa Compelling Evidence 3.0 (CE3.0) lets merchants shift fraud-dispute liability back to the issuer by matching data from a cardholder's prior undisputed purchases, and since October 17, 2025, Visa Secure and Data Only transactions can qualify automatically with no submission required.
VBASS Explained: How It Reduces Fraud & Chargebacks
Visa BIN Attribute Sharing Service (VBASS) is a paid Visa program that shares BIN-level risk data across three access tiers so merchants can screen a transaction before authorization, complementing (not replacing) post-authorization chargeback alerts.
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Visa Acquirer Monitoring Program (VAMP): Full Guide
The Visa Acquirer Monitoring Program (VAMP) is Visa's single fraud-and-dispute ratio, replacing VDMP and VFMP, with a 2.2% merchant threshold dropping to 1.5% on April 1, 2026, and disputes resolved via a pre-dispute alert never count toward it.
Pre-Arbitration Chargebacks: Rejection Rules by Network
A pre-arbitration chargeback is the card network's final re-filing after your first dispute response, with Visa allowing one round, Mastercard generally two, Discover a compressed single window, and American Express no formal stage at all.
Visa Claims Resolution (VCR): What It Is and How It Works
Visa Claims Resolution (VCR) is Visa's dispute-handling framework, effective April 2018, that sorts every dispute into Allocation (fraud/authorization) or Collaboration (processing errors/consumer disputes) and consolidated 22 legacy reason codes into 4 categories.
Visa Dispute Monitoring Program (VDMP) Is Now VAMP
The Visa Dispute Monitoring Program (VDMP) was retired on April 1, 2025 and folded into the Visa Acquirer Monitoring Program (VAMP), so this guide maps every old VDMP/VFMP tier and threshold to its current VAMP equivalent.
Mastercard Chargeback Reason Codes: What Each Category Means
Mastercard sorts every chargeback into one of four reason categories (fraud, authorization, point-of-interaction error, cardholder dispute), and the category determines whether alert-based prevention can stop the dispute before it files or whether you can only respond after the fact.
Visa Chargeback Guide for Merchants
A Visa chargeback moves through four stages (pre-dispute, dispute submission, pre-arbitration, arbitration), each with a firm deadline, and the reason code assigned at filing determines exactly which evidence can win it back.
Visa Chargeback Reason Codes: The Four Categories, Explained
Visa chargeback reason codes are two-digit-plus-decimal labels that sort into four root-cause categories (fraud, authorization, processing errors, consumer disputes), and the category determines exactly which evidence can overturn the dispute.
Mastercard Chargeback Monitoring Program: ECM vs. EFM
Mastercard runs two distinct chargeback monitoring programs, ECM for overall dispute ratio and EFM for card-not-present fraud, each with its own thresholds, fee schedule, and exit path.
How to Win an American Express Dispute (Merchant Guide)
The key to winning a dispute as a customer and a merchant is to adhere to timeframes and submit convincing evidence. However, there’s more to know about Amex’s dispute process. Keep reading to learn more.
Mastercard Chargeback Guide: Time Limits and Thresholds
Mastercard chargebacks carry a 120-day cardholder filing window (540 for non-delivery disputes) and a 45-day merchant response window, plus separate ECM/EFM monitoring thresholds and fines that alerts can help you stay under.
Discover Chargeback Reason Codes: Time Limits Explained
Discover sorts chargebacks into three categories (fraud, processing/authorization, service disputes) and runs a distinct process from Visa and Mastercard, including an early retrieval-request stage and a no-contact rule, so merchants trained on other networks miss deadlines by assuming the same rules apply.
Discover Chargeback Guide: Time Limits and Thresholds
Discover chargebacks give cardholders 120 days to file and merchants 20 days to respond, but the network runs no formally named monitoring program, uses an informal ~1% threshold, and adds a 5-day retrieval-request stage that catches merchants unfamiliar with Discover's rules.
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What Is Rapid Dispute Resolution (RDR)?
Rapid Dispute Resolution (RDR) is a Visa service run by Verifi that auto-refunds a cardholder's pre-dispute using rules the merchant sets in advance, forfeiting every matching case without individual review.
What is Verifi Order Insight & Do You Need it?
Order Insight is Verifi's Visa-only tool that shares transaction and account details with a cardholder's bank before a dispute is filed, deflecting 40 to 45% of confirmed first-party-misuse disputes per Visa's data.
Ethoca vs Verifi: Which alert network do you need?
Ethoca and Verifi are separate alert networks owned by Mastercard and Visa respectively, differing in card coverage and in whether refunds resolve automatically (Verifi's RDR) or by manual review (Ethoca and CDRN).
American Express Chargeback Reason Codes: Full List
American Express sorts every chargeback into 34 reason codes across six categories, and the code on the dispute notice sets both the required evidence and the 20-day response deadline.
Amex Chargeback Guide: Time Limits, ADR, and How to Win
American Express handles chargebacks differently than Visa or Mastercard by trying an ADR alert or inquiry first, giving merchants 8 days to resolve an ADR alert and 20 days to respond to a formal chargeback.
How to Prevent Twitch Chargebacks
This guide will explain chargebacks and how to prevent them on Twitch. Many of these tips can also apply to other streaming platforms like YouTube and Kick. Keep reading to learn more.
What is Ethoca Alerts & How Does It Work?
Ethoca Alerts notifies merchants when a bank receives a cardholder complaint and places a short hold before a chargeback is filed, giving the merchant time to refund and prevent the chargeback. Learn how Alerts can help your business and how to use it.
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Unisciti a oltre 800 aziende che utilizzano Chargeback per prevenire i chargeback automaticamente: la configurazione richiede meno di 2 minuti.
