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Intelligence Brief · March 2026

Monthly Intelligence Brief — March 2026

Visa VAMP launches April 1 — new 1.5% unified threshold replaces VDMP/VFMP. Mastercard dispute updates, EMV enforcement trends, and friendly fraud growth data.

Visa VAMP Mastercard EMV
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New Case Study
Case Study · WON · March 2026

Subscription Win: $450 Cancelled Recurring Billing

SaaS company defeats a “cancelled recurring” claim using renewal notification email + 2 weeks of post-billing usage logs. Visa 13.2.

Visa 13.2 SaaS $450
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New Research
Original Research · March 2026

2026 Issuer Chargeback Scorecard

CFPB data analysis ranking 13 major issuers by merchant-friendliness. USAA at 87.9% no-relief; TD Bank at 45.5%. Which banks side with merchants?

8,044 Complaints 13 Issuers CFPB Data
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Recently Updated
Available

Item Not Received

Defense strategies when customers claim non-delivery. Shipping documentation, carrier tracking, and proof of delivery requirements across all four networks.

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Available

Service Not Received

When customers claim a service was never provided. How to document performance of work and expected timeframes.

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Available

Item Incorrect or Misrepresented

Disputes claiming products don't match descriptions. Evidence requirements, product listing documentation, and response frameworks.

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Available

Service Incorrect or Misrepresented

When customers claim a service didn't match what was advertised. How to document terms were disclosed and service was delivered as described.

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Available

Returned Merchandise & Credit Not Processed

Why the burden of proof on returns mirrors non-receipt claims — and how to use it. Return policy documentation, receiving records, and the evidence framework that wins these disputes.

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Available

Service Cancelled

Subscription cancellations and service termination disputes. Proving valid recurring consent and exact cancellation timelines across all four major networks.

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Coming Soon

Incorrect Amount or Currency

When cardholders dispute the charged amount or currency conversion. How to document pricing agreements and authorization records.

Coming Soon

Duplicate Payment

Disputes claiming the same transaction was charged more than once. Proving distinct charges were for separate orders or billing periods.

Coming Soon

Missing Authorization

Disputes with issuers regarding the authorization obtained. How to document authorization approval codes and address when final amounts change.

Available Free with Account

Fraud — Card Not Present

The most common e-commerce chargeback. How to demonstrate the legitimate cardholder authorized the transaction using IP, device, and behavioral data — across all four networks.

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Coming Soon

Fraud — Card Present

In-person fraud disputes involving chip, swipe, or contactless payments. Terminal data, signature verification, and EMV evidence requirements.

New

Monthly Intelligence Brief — March 2026

Visa VAMP launch, Mastercard Q1 updates, EMV enforcement trends, friendly fraud growth, and April deadlines. Action required before April 1.

Read Brief →
Coming Soon

Monthly Intelligence Brief — April 2026

Post-VAMP launch analysis, Q2 network rule changes, and emerging dispute trends. Published first week of April.

New

2026 Issuer Chargeback Scorecard: Which Banks Side With Merchants?

Original research analyzing 8,044 CFPB complaints across 13 major credit card issuers, ranked by merchant-friendliness. USAA leads at 87.9% no-relief; TD Bank at 45.5%.

CFPB Data 13 Issuers
View Scorecard →

WON

E-commerce Fraud: $2,400 Digital Goods

How a software company won a "not authorized" dispute with IP matching and usage logs.

Visa 10.4 Digital/SaaS
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WON

Subscription Cancellation: $890 SaaS

Defeating a "cancelled recurring" claim with proper terms documentation.

Mastercard 4841 SaaS
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WON

Item Not Received: $1,250 Electronics

Signature confirmation and GPS delivery proof in action.

Visa 13.1 E-commerce
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LOST

Analysis: Why This Response Failed

Breaking down a losing response to identify the critical mistakes made.

Amex F29 Travel
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WON

Friendly Fraud: $3,100 Luxury Goods

Customer claimed fraud after receiving goods. Delivery photos saved the day.

Visa 10.4 Retail
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WON

Double Billing: $450 Subscription

Proving two charges were for two distinct billing periods.

Mastercard 4834 Subscription
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WON

Subscription Win: $450 Cancelled Recurring Billing

Renewal notification email + post-billing usage logs defeat a Visa 13.2 “cancelled recurring” claim.

Visa 13.2 SaaS
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Available

Winning Chargebacks on Shopify

How Shopify's dispute system works, evidence formatting for its file limits, category-to-reason-code mapping, and platform-specific response frameworks.

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Premium

Winning Chargebacks on WooCommerce

WooPayments dispute system, multi-gateway complexity, evidence matrix by dispute type, Visa Compliance $500 fee risk, and response frameworks within WooCommerce's constraints.

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Premium

Winning Chargebacks on BigCommerce

Gateway-dependent dispute strategy, fee comparison across Stripe/PayPal/Braintree/Square, Braintree's 3-stage process, and universal response frameworks for every major payment gateway.

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Premium

Winning Chargebacks with Stripe

Stripe's 2025 two-tier fee model, Smart Disputes vs. manual submission strategy, 20+ structured evidence fields, Early Fraud Warnings, and Visa CE3.0 support.

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Premium

Winning Chargebacks with PayPal

PayPal's dual dispute system (internal claims vs. card chargebacks), the 2024 Seller Protection gap for INR chargebacks, appeal process, and Resolution Center strategy.

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Premium

Winning Chargebacks with Square

Square's $0-fee, no-arbitration model, 7-day response window, in-person transaction evidence advantages, black-and-white formatting rules, and Disputes Team strategy.

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Your Subscription Pays for Itself

Win just one additional dispute per month and your subscription pays for itself. The average chargeback costs merchants $190 in lost revenue plus fees. Our defense guides have helped merchants achieve win rates 35–45% higher than the industry average of 12%.

Without WinningChargebacks
~12%
Industry avg win rate
With Premium
With WinningChargebacks
45–55%
Reported win rate

Breakeven at 1 Dispute/Month

Avg. chargeback value recovered ~$190
Premium subscription cost $99/mo
Net gain per won dispute +$91/mo

Win just 1 additional dispute per month to break even. Most merchants see their first win within the first week.

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