VAMP-tier acquirers, Ethoca + Verifi alerts, automated representment, and reserve structures that let you keep operating while you remediate.
If your chargeback ratio is between 0.9% and 2%, you are operating inside Visa's VAMP and Mastercard's ECP escalation bands. Most PSPs will terminate you somewhere in this range, regardless of whether the disputes are friendly fraud, true fraud or service issues.
We match merchants in this band by isolating risk into MIDs that can absorb it, deploying alert networks before disputes hit the schemes, and running representment in parallel — so you stop bleeding revenue while you fix the upstream causes.
ApexPay FZ-LLC is a payments consultancy — we introduce merchants to licensed acquirers, gateways and alert networks, and we do not process payments or hold funds.
Before our partner acquirers underwrite, we map your dispute composition: fraud (Reason 10.x), authorisation (11.x), processing errors (12.x), consumer disputes (13.x). Friendly fraud (13.1, 13.2) usually dominates for subscription and digital businesses. True fraud (10.4) signals a different class of problem — bot traffic, card testing, BIN attacks.
Most disputes are lost on procedure, not facts. Our partner dispute teams assemble compelling evidence packets per reason code: AVS/CVV match, 3DS2 cryptogram, IP + device fingerprint, login history, delivery confirmation, terms acceptance timestamp and refund policy. Partner dispute teams achieve win rates of 35–55% are achievable with disciplined process — versus the 10–15% most merchants get from manual representment.
Above 1%, expect 10–15% rolling reserve held 180 days. We mitigate cash-flow impact by splitting volume across multiple MIDs (so reserve is calculated on a smaller base per MID) and routing first-time customers through tighter authentication flows while returning customers settle on cleaner MIDs.
We've matched merchants up to ~2.5% CB ratio with documented remediation. Above that, you need 60–90 days of cleanup before any acquirer will quote.
When an issuer's customer service rep starts a dispute, Ethoca/Verifi push it to you first. You refund within 24–72h and the dispute never hits the scheme — so it doesn't count toward your CB ratio.
Yes. Visa RDR rules let you auto-refund disputes under defined criteria (amount, MCC, transaction age) without human review. We configure RDR to match your refund policy.
Yes — issuer-aware 3DS2 with frictionless flow for low-risk transactions and challenge for high-risk. Liability shifts to the issuer on 3DS-authenticated transactions for most fraud reason codes.
Adult, AI companion, subscription, high-chargeback merchants — vertical-specific underwriting.
Send 90 days of CB data with reason-code breakdown. We'll quantify recoverable revenue and map the MID structure that takes you out of VAMP.
Get a free, no-obligation audit of your payment stack. We'll show you exactly where revenue is leaking and how to fix it.
