A chargeback monitoring program is a formal review process imposed by card networks when a merchant’s chargeback ratio exceeds acceptable limits. Visa’s program is called VAMP, Mastercard’s is the Excessive Chargeback Program. Merchants identified in these programs face penalties, increased scrutiny, potential restrictions, and possibly account termination. Enrollment happens when thresholds are exceeded and continues until the ratio improves for a sustained period.
If you are approaching the program limits or have breached thresholds, it’s important to act quickly. AltoPay provides an entire suite of chargeback prevention solutions including Order Insight, Visa CE 3.0, Ethoca alerts, Verifi CDRN, and RDR. AltoPay also monitors chargeback ratios and offers support when they trend toward critical levels. Staying under the limits means avoiding the operational and financial strain that comes with program placement.
For more than a decade, Jessica Velasco has been a thought leader in the payments industry. She aims to provide readers with valuable, easy-to-understand resources.
