Our Articles

Why Manual Dispute Handling no Longer Works in 2025 Chargeback volumes are increasing in every major market, and with customers filing disputes at an unprecedented rate, manual workflows can no longer keep up. In 2025, issuers are...

Why January-March is the Danger Zone Each year, merchants in the US, EU, and APAC experience the same pattern... Once the Christmas rush is over, the chargebacks begin. January through March becomes a stressful period because millions of customers begin returning...

A generational shift is changing the way disputes occur online as Gen Z's obsession with chargebacks becomes a defining challenge for PSPs, PayFacs and high-volume merchants. Gen Z consumers, who have grown up in a digital world, want rapid...

Black Friday Brings More Than Just Revenue... Even though Black Friday and Cyber Monday bring in the most transactions of the year, they also signal the beginning of a tsunami of delayed chargebacks for PSPs, merchant aggregators, and PayFacs. The reason is that...

Nutraceuticals are on the rise globally. This huge vertical often includes businesses such as wellness products, beauty powders, performance boosters and dietary supplements. However, one of the areas that in the industry that is most challenging is payment...

Authorization rate is frequently used as a stand-in for overall performance in the payments sector. However, as many merchants and PSPs have discovered the hard way, a high authorization rate does not guarantee a successful payment. The success rate, the quantity of...

3D Secure (3DS) has been at the forefront of online payment security for more than 20 years, developing through multiple iterations, currently at 3D Secure 2.2 to satisfy the needs of cross-device authentication, whilst providing a seamless checkout experience. By...

Why Virtual Businesses Face Unique Chargeback Pressure Software as a Service (SaaS) platforms and subscription service providers are among the digital distribution companies that are more vulnerable to chargebacks in 2025. These services don't...

According to Mastercard (Mastercard's State of Chargebacks 2025 Report), friendly fraud is currently becoming a hidden crisis in 2025, making up over 45% of all chargebacks, despite advancements in fraud prevention. Friendly frauddisputes originate from...

Although the importance of TC40 data has increased in 2025, many merchants and even some payment aggregators are still unaware of its full purpose. When a transaction is reported as fraudulent, issuers file TC40 reports, but the merchant and other payment stakeholders...

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...