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Visa Inc. released six new or updated dispute-resolution services, a year after acquirers became subject to the then-new Visa Acquirer Monitoring Program.
Known as VAMP, the program, according to Visa, consolidated five fraud and dispute programs and reduced 38 distinct remediation processes into one program. According to Oscar Bello, Chargeback Gurus chief sales officer, on a blog post on the Merchant Risk Council Web site, enrollment in VAMP begins when a merchant’s or acquirer’s VAMP ratio exceeds Visa’s limits. For merchants, that is 1.5%. Acquirers have two thresholds, an “excessive” one at 0.7% and “above standard” at 0.5%.
Visa, which says it processed 106 million disputes globally in 2025, a 35% increase from 2019, issued three updates for merchants and three for acquirers.
The acquirer set includes incorporation of artificial intelligence predictive models in the Dispute Intelligence tool. Visa says this should help with analysis. Dispute Doc Analyzer uses AI to speed up the process. For acquirers, it makes it easier to auto-populate some questionnaires on behalf of its merchants. For issuers, it provides summaries of merchant documents.
The third new service for acquirers is Visa Dispute Case Manager, which also uses AI, to make workflows easier to navigate in a centralized platform. The first two services are available now and the Case Manager will be available in North America this year.
For merchants, the new tools include the Visa Dispute Resolution Network to potentially avert transaction issues before they reach a more advanced dispute stage. In testing now, it is expected to be available later in 2026. The Visa Dispute Recovery Manager automates re-presentment for merchants and, using AI, can provide prediction scoring on the potential for recovery of the transaction. It, too, is in testing now with a broader test set for later this year.
The third piece for merchants is Order Insight, which Visa says can help prevent unnecessary disputes by bringing transaction detail to light that could help clear up confusion over legitimate charges. An update to Order Insight this month also will enable merchants to share evidence with banks on suspicious transactions.
Disputes, or chargebacks, have long been an issue in payments for merchants and acquirers. A 2025 report from fraud-prevention provider Sift found that in the first quarter a year ago the average chargeback value was $361.31, a 48% increase from a year prior. By the 2025 third quarter, however, that average had decreased to $301.91.
“This shift suggests a return to more routine, lower-value disputes tied to everyday digital purchases. However, despite the decline, values remain elevated compared to historical norms, reinforcing that merchants now face a dual challenge: higher chargeback frequency combined with sustained dollar impact per dispute,” the Sift report notes.
“Disputes put strain on every part of the payments ecosystem, frustrating consumers, while driving cost and complexity for merchants and financial institutions,” Andrew Torre, Visa president of Value-Added Services, says in a statement. Visa says this new suite of services will help give its clients more insight and capability when managing disputes.
