Once you are inside a monitoring programme, every dispute is expensive twice: the lost order, and the distance it puts between you and the threshold. Prevention is the only lever that moves the ratio down.
A handful of disputes in a slow month can push the percentage past a threshold that a busy month would have absorbed.
Winning a dispute recovers the money but leaves the chargeback counted. The ratio your acquirer reads is unchanged.
Programme fees stack monthly and the exit criteria usually require several clean cycles in a row.
What most merchants in a monitoring programme switch on in week one.
Numbers describe how the product works, not a guaranteed outcome. Your alert coverage depends on your processor and card mix.
Install in dry-run mode. Two weeks of your own alerts will tell you more than any case study.
Not answered here? Ask us directly or read the full FAQ.
The Visa Acquirer Monitoring Program tracks the ratio of disputes and fraud to transactions at the acquirer and merchant level. Crossing the threshold brings fees and a remediation plan.
No. Representment wins recover funds but the chargeback still counts. Exiting a programme requires the ratio itself to fall, which means fewer disputes filed.
Prevented disputes stop counting in the cycle they occur, so the effect appears in the current month rather than after a representment timeline.
Chargeback prevention infrastructure, starting with Shopify. Alerts, refunds and ratio monitoring in one place.
Network rule changes, threshold updates and merchant teardowns. Once a month.
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