Chargebacks: The One Number That Can Shut You Down

Your chargeback ratio is the one number that can permanently shut you out of credit card processing — not just with one bank, but across the entire industry. In this episode of The Payments Guy, Frank Sena breaks down exactly what chargebacks are, the thresholds Visa and Mastercard enforce right now, and the practical steps you can take today to protect your merchant account.In this video, you'll discover:• The real difference between a refund and a chargeback — and why it costs you far more• The exact chargeback ratio thresholds in effect today (Visa's VAMP is now 1.5% — it's already here)• Why over 45% of chargebacks come from your own customers, not criminals• Proven tools and tactics to reduce disputes — including RDR, 3-D Secure, and chargeback alerts• What the MATCH list is, why it lasts five years, and how to stay off it for goodTimestamps:00:00 Introduction01:30 What a Chargeback Actually Is03:30 Your Chargeback Ratio & the Thresholds06:30 Friendly Fraud — Most Chargebacks Aren't What You Think08:30 What You Can Do to Stay Under the Line11:00 The MATCH List: The Worst-Case Outcome13:00 Key Takeaways13:45 How PayDiverse Can HelpWhen you understand how banks think, you can build stable, long-term processing that protects your cash flow and your business. If you’re a travel merchant who wants stable payment processing, stronger approval odds, or protection against funding freezes, visit paydiverse.com or email [email protected] to get in touch with an expert today. Have a question about something in the episode? Send your questions to [email protected] and check out our FAQ page https://paydiverse.com/faq  Connect with PayDiverse: Instagram: https://www.instagram.com/paydiverseWebsite: http://www.paydiverse.comLinkedIn: https://www.linkedin.com/in/franksena