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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...

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...