The latest news from ChargebackStop HQ

Chargeback scams are costly to merchants and are rapidly rising, but with ChargebackStop, we can help you manage this burden. 

Mastercard’s Excessive Chargeback programs carry escalating fines, account scrutiny, and real reputational risk. This post explains what every merchant needs to know before that first compliance email lands.

Visa has unified fraud and dispute oversight under VAMP, while Mastercard continues to enforce ECM/HECM for excessive chargebacks. Thresholds are tighter and penalties add up quickly, especially without early warning buffers.

Verifi’s Rapid Dispute Resolution (RDR) is Visa’s most powerful tool for stopping chargebacks before they escalate. For merchants and acquirers alike, it’s a necessary safeguard.

Visa and Mastercard have made one thing clear: merchants and acquirers that fail to manage fraud and chargebacks will face consequences. From fines and penalties to account termination, the price of non-compliance in 2025 has never been higher.

Visa and Mastercard both monitor chargebacks aggressively, but their compliance programs operate in very different ways. Visa’s new VAMP unifies fraud and dispute tracking under a single metric, while Mastercard’s ECP relies on a tiered system with escalating fines

Chargebacks and disputes don’t have to be difficult to manage. Thanks to our automated alert tools, representment support, and payment process integrations, merchants can run their business at a much more efficient rate. 

New account Fraud (NAF), also known as account creation fraud, is a criminal act where fraudsters successfully open accounts on online services using stolen or fake identities. 

Visa is reducing its VAMP dispute thresholds globally in 2026, and both merchants and acquirers must act now to avoid penalties. Starting April 1, merchants must keep their fraud and chargeback ratio under 0.9%, while acquirers face a strict 0.3% cap from January.