Smart Resolutions helps you resolve disputes before they become chargebacks, protecting your Visa VAMP ratio, merchant account, and revenue.
With Visa’s updated monitoring rules, preventing disputes early is more important than ever. Smart Resolutions allows you to resolve issues directly with customers through their banking app, stopping disputes before they impact your business.
What changed with Visa VAMP and why it matters
What changed with Visa VAMP and why it matters
Visa’s Acquirer Monitoring Program (VAMP) tracks dispute activity and fraud indicators across your account.
When disputes increase, merchants may face:
Increased monitoring and scrutiny
Financial penalties
Processing restrictions
Potential account termination
Under Visa’s newer framework, fraud reports and dispute indicators—such as TC40 fraud notifications—can contribute to risk monitoring even before formal chargebacks occur.
This makes early resolution critical.
How Smart Resolutions protects your VAMP ratio
How Smart Resolutions protects your VAMP ratio
Smart Resolutions allows disputes to be resolved directly inside your customer’s banking app before they escalate.
When a customer contacts their bank:
A resolution option appears directly within their banking interface
The customer can instantly accept a refund or resolution
The dispute is resolved before becoming a formal chargeback
This prevents the dispute from impacting your VAMP ratio
This proactive resolution helps keep your dispute ratio low and protects your merchant account standing.
How the resolution link works
How the resolution link works
Smart Resolutions introduces a direct resolution link inside your customer’s banking experience.
This allows customers to:
Accept a refund instantly
Resolve the issue without filing a chargeback
Avoid escalation to formal disputes
This process eliminates friction and encourages faster resolution.
Why this is more effective than traditional methods
Why this is more effective than traditional methods
Traditional chargeback prevention relies on reacting after a dispute has already been created.
Smart Resolutions works earlier in the process by:
Intervening before disputes are finalized
Resolving fraud and dispute signals early
Preventing disputes from escalating
Reducing overall dispute volume
This protects both your chargeback ratio and Visa VAMP ratio.
Benefits of Smart Resolutions
Benefits of Smart Resolutions
Smart Resolutions helps you:
Protect your Visa VAMP ratio
Prevent disputes from becoming chargebacks
Reduce fraud-related dispute indicators
Protect your merchant account from monitoring programs
Maintain strong processor relationships
Improve customer experience through fast resolution
How this protects your merchant account long-term
How this protects your merchant account long-term
By resolving disputes earlier, Smart Resolutions helps:
Reduce total disputes associated with your business
Lower monitoring risk with Visa
Protect your ability to process payments
Maintain business continuity
This ensures your payments infrastructure remains stable as you scale.
Is Smart Resolutions automatic?
Is Smart Resolutions automatic?
Yes. Smart Resolutions works automatically once enabled.
You set the rules to determine situations you want to automatically approve and those that require human intervention.
Then, customer concerns requiring your attention will be shown on your dashboard under “Needs Response”.