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In 2025, chargebacks are still a recurring and increasing problem to merchants despite advancements in fraud and chargeback protection. The main issue is that traditional defenses are still lagging behind the development of first-party fraud, in which real customers...

What Is VAMP and What Changed in 2025? Visa’s Acquirer Monitoring Program (VAMP) is a global initiative to monitor and control fraud and dispute levels across the payments ecosystem. The number of transactions that are reported as fraudulent (TC40s) or disputed...

Businesses in North America and Europe are becoming increasingly concerned about fraudulent chargebacks in today's digital-first economy. Although chargebacks were initially meant to protect customers from actual fraud, a number of companies are currently dealing...

In response to fraud, chargeback write-offs are growing more and more popular, but at what long-term cost? Although this could seem effective in the short run, it is becoming a bigger risk for both Payment Service Providers (PSPs) and merchants. By specifically...

In the constantly shifting landscape of risk management and payment fraud, TC40 cases or reports are essential but frequently misunderstood. When a cardholder flags a transaction as fraudulent, issuing banks send Visa these reports, which act as a fraud signalling...

In order for businesses to access worldwide markets and serve a diverse customer base, cross-border payments have emerged as an essential part of global commerce. But the increase in international trade has also made businesses more susceptible to fraud. Due to...

In recent years, the online gambling sector, which includes sports betting sites and online casinos, has grown significantly. However, this growth also brings with it a more difficult problem... chargebacks and fraud. Online Gambling is especially...

Chargebacks have become an ongoing concern for businesses in the travel and hospitality industries. This is primarily due to the high value of bookings, varying service quality, and typically strict cancellation rules. With the increase in digital bookings...

In an increasingly complex payments ecosystem, businesses must optimize transaction approvals while minimizing fraud risks and processing costs. By strategically guiding transactions through the most effective payment method, smart payment routing increases fraud...

Account-to-account (A2A) payments are changing the payments industry by providing businesses and consumers with a direct, affordable, and secure alternative for conventional card-based transactions. A2A payments are a strong option for merchants, payment facilitators,...

In today's complex payments ecosystem, navigating the chargeback response and representment process is a crucial task for service providers, payment facilitators, and merchants. Although chargeback representation provides a chance to recoup money lost due to disputes,...