​Chargebacks are no longer just a cost of doing business — they're a compliance risk.

Under Visa's consolidated Acquirer Monitoring Program (VAMP), merchants whose dispute ratios cross tightened 2026 thresholds face escalating penalties — and ultimately termination of processing. Meanwhile, first-party misuse ("friendly fraud") — real customers disputing legitimate charges — has become the largest source of chargebacks for many online businesses. If you're only reacting to chargebacks one at a time, you're losing twice: the revenue, and your standing with the schemes and your acquirer.
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AcceptLocal manages chargebacks end-to-end: prevention, dispute, and the scheme-program monitoring in between.

​Use our request form to send a sample month of your chargeback file. We'll tell you — at no cost — what share was preventable, what share is winnable on dispute, and roughly what your current process is leaving on the table. No subscription required to find out where you stand.

How we work

1. Diagnose. We analyze your chargeback file against reason codes, transaction data, and your dispute history to separate true fraud, process failures, and friendly fraud — each needs a different fix.​

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4. Monitor. We track your ratios against VAMP and Mastercard program thresholds monthly, so you see problems months before your acquirer calls about them.​

2. Prevent. We fix preventable causes: fraud-rule tuning that blocks bad transactions without strangling good ones, descriptor and customer-service fixes, and prevention tooling—Ethoca and Verifi alerts, Rapid Dispute Resolution—deployed where the economics justify it.​

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3. ​Dispute. For what remains, we build your representment process: evidence packages aligned to Visa's Compelling Evidence 3.0 requirements (updated April 2026) and Mastercard's first-party fraud rules, so winnable disputes actually get won — including recurring-payment disputes, a specialty of ours since 2007.

Why AcceptLocal

Our practitioners have operated high-volume, regulated payment platforms — sustaining an 87% authorization rate against a 0.6% loss ratio — and have worked hands-on with Visa, Mastercard, and AMEX scheme rules since 2007. We know the dispute rules from the inside, and we know the difference between a chargeback problem you dispute and one you engineer away.

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Engagement models

Ongoing management by subscription, or per-case dispute handling — whichever fits your volume. Start with the free file review, and we'll recommend the right fit. Send your chargeback file today.

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Frequently asked questions:

What is VAMP and why does it matter?

The Visa Acquirer Monitoring Program is Visa's consolidated compliance program tracking fraud and dispute ratios. Merchants exceeding its thresholds — tightened in 2026 — face escalating enforcement through their acquirer, up to termination of card processing.

Can friendly-fraud chargebacks be disputed?

Yes. Under Visa's Compelling Evidence 3.0 rules, merchants who present qualifying evidence of prior undisputed transactions from the same customer can shift liability on first-party-misuse disputes. Building the data and evidence process is the key — that's what we set up.

What does chargeback management cost?

AcceptLocal works by subscription for ongoing management or per-case for dispute handling. The free chargeback-file review tells you what you're losing and what recovery is realistic before you commit to anything.