What does an effective risk management strategy look like?
RISK PROTECTION
Avoid chargeback and fraud monitoring programs
Worried about breaching fraud ratios or chargeback thresholds? Wondering how to get risk under control — and keep it that way? Find out how AltoPay can help.
EXPOSING CHALLENGES
Chargebacks and fraud are harder to manage than ever before
Managing chargebacks and fraud has never been an easy task. But as fraudsters continue to innovate and find new ways to exploit online businesses, risk management will only get more difficult.
Fraud ratios are based on hard-to-obtain data, so they are difficult to manage.
Cardholders can file false fraud claims, so you are guilty until proven innocent.
Risk tolerances fluctuate, so it’s hard to anticipate when you’ve reached the point of “too much”.
You struggle to remain in good standings with your acquirer, so it’s difficult to grow.
GUIDING YOU TO SUCCESS
Finally — a risk management strategy that actually works
HOW IT WORKS
Get help every step of the way
1. A strategy replaces confusion.
Our team of experts reviews your current situation and suggests tools to help solve your unique challenges.
2. Solutions start making things easier.
Solutions are activated and data starts to accumulate — including hard-to-access metrics like TC40, SAFE, and fraud ratios by country, BIN, currency, and more.
3. Fraud is exposed and controlled.
Our support team monitors your status and notifies you if risk starts to escalate. We offer suggestions and tips on how to respond.
4. Pros help you handle the hard stuff.
We help you navigate any challenges as they arise — like new industry policies and monitoring programs.
WHAT YOU GET
The technology, data, and expertise you need to be successful
If a single solution provider can give you everything you need, you’ll start seeing results sooner — and save money doing it.
Technology
Build layer upon layer of protection, so you can stop as many chargebacks as possible.
- Verifi Order Insight & CE 3.0
- Ethoca Consumer Clarity
- Ethoca prevention alerts
- Verifi CDRN alerts
- Visa Rapid Dispute Resolution
- AVS, CVV, and 3D Secure
- Fraud detection and prevention
Data
Clearly see what is happening with your business so you resolve issues before they become liabilities.
- Fraud ratios
- Chargeback ratios
- VAMP ratios
- TC40 and SAFE data
- Chargeback reporting
- Prevention alert resolutions
- RDR case data
Expertise
Get help. You don’t have to manage the frustrations and confusions alone.
- Proactive notifications when risk escalates
- Consultations to help build and adjust strategies
- Clear explanations for complex industry updates and trends
GET HELP NOW
Get your fraud solution in three easy steps
Your onboarding experience will be as simple and straightforward as possible.
1. Sign up
Complete our online form, and tell us about your business.
2. Schedule a meeting
We’ll review your submission and schedule a time to discuss possible strategies.
3. Start seeing results
Applicable technologies will be activated so you can prevent chargebacks with better results and less effort.
FAQ
Questions and Answers
Can you help us manage our VAMP ratio?
Yes, we can assist in managing your Visa Acquirer Monitoring Program (VAMP) ratio.
Our team conducts monthly risk reviews, analyzing hard-to-access metrics like TC40 data and chargeback statistics. This proactive approach helps monitor ratio trends and enables timely responses to potential issues.
We’ve been in direct contact with Visa regarding VAMP and can help you prepare for and manage expectations as the program evolves.
Do you provide reporting for TC40s?
Yes, we offer comprehensive reporting that includes TC40 data. Access to TC40 data is typically hard to come by, but our services ensure you have the necessary information to protect your business effectively.
If I'm already in a monitoring program, how do I get out?
Each card brand (Mastercard, Visa, etc.) maintains their own monitoring program with unique policies.
- Mastercard — Usually, you can exit a program (fraud or chargeback) if your ratio is below the threshold for three months.
- Visa VAMP — If you lower your ratio below the threshold, you should exit the program the following month.
NOTE: There are some case-by-case exceptions. If you are in a program right now, we suggest you contact our team so we can help you better understand your current situation.
To get your ratio below thresholds, we suggest you do the following:
- Sign up for prevention alerts and/or RDR. These solutions refund disputed transactions before they become chargebacks. This can help lower your ratios significantly.
- Add identify verification tools — like card security code (CVV) and Address Verification Service (AVS) — to your checkout process to reduce the risk of unauthorized transactions.
- Implement pre-authorization fraud solutions to detect and block criminal activity.
Let us know if you’d like to discuss a risk reduction strategy in greater detail.
Chargebacks and fraud shouldn’t cause another minute of stress.
Managing fraud and dealing with monitoring programs has consumed enough of your brain cells. It’s time for an effective, transparent, easy-to-manage strategy. And we have just what you need. Contact AltoPay today.
