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Notes on disputes, network rules and the money in between.

Written for people who have to explain a rising chargeback ratio to somebody else on Monday.

NETWORK RULES · 12 MIN READ

What VAMP actually changed, and who it hurts

Visa retired VDMP and VFMP in favour of a single acquirer-level programme. The thresholds look similar. The consequences do not, and mid-size merchants on shared acquirer portfolios are the ones who will feel it first.

Dan Whitfield · 4 August 2026
THRESHOLDS AT A GLANCE
Visa VAMP standard0.90%
Visa VAMP excessive1.50%
Mastercard ECP1.50%
Mastercard HECP3.00%
NETWORK RULES
Reason code 10.4 is doing more damage than you think
Fraud-coded disputes carry the heaviest weight in every monitoring programme. Here is how to read yours.
28 July 2026 · 9 min
OPERATIONS
The forty-minute window, measured properly
We timed 40,000 alerts from network publish to issuer filing. The median is shorter than the industry claims.
21 July 2026 · 7 min
TEARDOWN
How a subscription box cut renewal disputes by 71%
Three rule changes, one descriptor rewrite, and a cancellation flow that stopped hiding.
14 July 2026 · 11 min
OPERATIONS
Your descriptor is causing chargebacks
Customers dispute what they do not recognise. The fix costs nothing and takes ten minutes.
7 July 2026 · 5 min
ECONOMICS
What a chargeback actually costs, line by line
The order value is the smallest part. Fees, shipping, product cost and ratio damage make up the rest.
30 June 2026 · 8 min
TEARDOWN
Eleven stores, one dispute strategy
How a multi-brand operator runs shared rules without flattening the differences between the brands.
23 June 2026 · 10 min
NETWORK RULES
Mastercard ECP for merchants who have never read it
The programme, the thresholds, the fines, and the part your acquirer will not explain.
16 June 2026 · 12 min
ECONOMICS
Prevention versus representment, with the maths
Win rates, time cost and what each one does to your ratio. They are not competing products.
9 June 2026 · 9 min
OPERATIONS
Writing refund rules that do not refund everything
Six conditions worth adding before you let anything run outside dry-run mode.
2 June 2026 · 6 min

The Prevention Brief

Network rule changes, threshold updates and merchant teardowns. Once a month, and nothing else.

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The Prevention Brief

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