According to a recent LinkedIn post from Disputedai, the company is drawing attention to changes in Visa’s chargeback compliance framework that took effect on April 1. The post emphasizes that winning a chargeback dispute may reverse financial liability but does not remove the transaction from a merchant’s Visa Account Monitoring Program (VAMP) ratio, which is central to compliance risk.
Claim 30% Off TipRanks
- Unlock hedge fund-level data and powerful investing tools for smarter, sharper decisions
- Discover top-performing stock ideas and upgrade to a portfolio of market leaders with Smart Investor Picks
The company’s LinkedIn post highlights that Visa’s focus is on the occurrence of disputes rather than their outcomes, especially under the new 1.5% threshold. It suggests that only pre-dispute resolution (for TC15s) and CE3.0 (for TC40s) can actually remove transactions from the VAMP ratio, while other efforts fall under revenue recovery rather than compliance management.
For investors, this focus indicates that Disputedai is positioning its offerings around nuanced regulatory and network-rule changes that could materially affect merchants’ cost of compliance and exposure to penalties. By educating clients on how CE3.0 and Rapid Dispute Resolution processes interact with acquirer-level thresholds, the company may enhance its value proposition to high-risk and high-volume merchants seeking to avoid program enrollment and potential fee escalations.
The post also suggests that acquirers may hold merchants to tighter dispute ratios than Visa’s published thresholds, implying growing demand for more sophisticated dispute-prevention and pre-dispute tools. If Disputedai can capture this demand with effective product capabilities, it could benefit from higher adoption among enterprise merchants and payment processors, reinforcing its competitive position in the chargeback and risk-management segment.