Chargeback Dispute

Friendly fraud is when a real customer disputes a real purchase. Learn how these chargebacks work, what evidence wins under Visa CE3.0, and how to prevent them.

Learn what a chargeback ratio is, how Visa (VAMP) and Mastercard calculate it, the 2026 thresholds U.S. merchants face, and a monthly checklist to keep yours low.

Chargebacks are an important consumer protection, but frequent payment disputes can become expensive and disruptive for businesses.