Visa Compliance Rule Changes Elevate Focus on Dispute Prevention and VAMP Ratios

According to a recent LinkedIn post from Disputedai, the company is drawing attention to how Visa’s chargeback compliance metrics treat disputed transactions under the updated framework effective April 1. The post suggests that winning a chargeback dispute changes financial liability but does not remove the transaction from a merchant’s Visa Account Monitoring Program (VAMP) ratio.

The post indicates that Visa focuses on the occurrence of disputes rather than outcomes when assessing compliance against the new 1.5% threshold. It highlights that this distinction may require merchants to rethink dispute-management strategies, distinguishing between compliance risk and revenue recovery.

According to the LinkedIn content, Disputedai points to pre-dispute resolution (for TC15 cases) and CE3.0 (for TC40 cases) as the only ways to remove transactions from the VAMP ratio after a dispute is initiated. Everything else is characterized as revenue recovery activity that, while still financially relevant, does not address the same compliance challenge.

The post further notes that acquirers may apply stricter internal thresholds than Visa’s published 1.5% level, which could intensify pressure on merchants to manage dispute volumes proactively. This environment may increase demand for specialized tools or services that help optimize pre-dispute and CE3.0 workflows, potentially benefiting solution providers such as Disputedai.

For investors, the content underscores an ongoing shift in risk and compliance priorities for card-not-present and higher-risk merchants, driven by scheme rule changes. If merchants increasingly seek analytics and automation to reduce disputes before they impact VAMP ratios, Disputedai could be positioned to capture incremental spend in the fraud, chargeback, and compliance technology segment.