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TC40 data has existed as a fraud reporting mechanism for decades, but its practical importance for acquirers and their merchants has changed significantly over the past two years. The launch of Visa’s Acquirer Monitoring Program (VAMP) in April 2025 placed TC40 reports at the center of a new ratio calculation that determines monitoring status and fee exposure for both acquirers and merchants. Unde…

Chargeback prevention is not a single intervention. It’s a structured practice that spans three distinct phases of the transaction lifecycle, each requiring different tools and addressing different problems. Merchants who deploy prevention tools without a framework tend to invest in the wrong places, either addressing symptoms rather than causes or skipping foundational steps in favor of more visi…

Buy Now, Pay Later: Opportunities, Risks, and Chargeback Implications Buy now, pay later has moved well past the novelty stage. According to the Chargebacks911 2026 Chargeback Field Report, based on survey data from more than 250 merchants, 19.1% of merchants currently accept BNPL at checkout. Klarna is the most widely supported provider among this group, used by 35% of BNPL-accepting merchants, f…

Chargeback risk rarely announces itself before it becomes a serious problem. By the time a merchant’s dispute ratio triggers a monitoring program or prompts a processor review, the underlying issues have typically been developing for months. Acquirers and processors are better positioned than anyone to help merchants identify and address these issues early; they have visibility into dispute patter…

Credit card disputes represent one of the most persistent operational challenges for acquirers and payment processors. Every dispute triggers a chain of events that affects merchants, processors, and card networks simultaneously. Despite how common disputes are, many merchants enter the process without a clear understanding of what to expect, creating service burdens for the acquirers and processo…

Most conversations about agentic commerce focus on what the technology can do. AI agents that browse, compare, and purchase on behalf of consumers represent a significant shift in how transactions get initiated. The commercial possibilities attract considerable attention from technology companies, retailers, and payment platforms alike. What attracts less attention is the question of what happens …