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Stop Chargebacks

Before They Start

Disputes happen—but they don’t have to sink your business. Our proactive chargeback alerts and full-service chargeback representation help you tackle issues at the source and recover lost revenue. With trusted tech partners like Verifi, Ethoca, Kount and PAAY, you get the strongest defense available.

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Proactive Chargeback Management

Comprehensive tools and services to prevent disputes, reduce surprises, and defend your revenue.

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Fewer Surprises, More Control

Chargebacks cost more than lost sales—they can freeze funds, rack up fees, and threaten your merchant account. We take a prevention-first approach to minimize disputes, and give you the tools and support to fight back when they do.

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Prevention Comes First

Most chargebacks stem from confusion—unclear billing, unmet expectations, or fraud. We cut disputes with real-time alerts (so you can issue refunds before chargebacks occur), 3-D Secure authentication, and transparent transaction data to reduce surprises.

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Fighting Back When It Counts

If a chargeback occurs, our team handles the entire representment process—from gathering documentation to meeting response deadlines—giving you the best chance to win disputes and retain revenue.

Stay Ahead of VAMP

Visa’s new fraud and dispute monitoring framework affects every merchant—here’s what you need to know.

VAMP, effective April 1, 2025, replaces previous programs and combines fraud (TC40) and dispute (TC15) counts into a single compliance ratio. Full enforcement begins October 1, 2025. Even if your underlying fraud hasn’t changed, your risk of exceeding thresholds may increase.

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Aggressive monitoring of both fraud and disputes
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Potential fines and account penalties if thresholds are exceeded
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Acquirers may enforce stricter limits than Visa, even for compliant merchants
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How We Help You

Stay Compliant

Pinpoint Payment’s proactive tools and expert team help you stay ahead of VAMP requirements—protecting your ratios and your reputation.

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Proactive Alerting & Prevention

Catch risks early and reduce TC40s before they escalate.

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Real-Time Tracking & Analytics

Monitor your VAMP ratio continuously with live insights.

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Strong Representment & Dispute Handling

Resolve chargebacks quickly with expert dispute management.

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Transparent Reporting

Stay informed and compliant with clear, detailed reports.

Why It Matters

Low chargeback ratios do more than save costs—they safeguard your merchant account and keep you compliant with VAMP.

With Pinpoint Payments’ tools and expert team, you can focus on running your business while we manage chargeback prevention and VAMP compliance, reducing risk and protecting revenue.

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5-Time Inc. 5000 Winner

Pinpoint Payments has been recognized on the Inc. 5000 list of America’s Fastest-Growing Private Companies five years in a row. This achievement highlights our commitment to innovation, merchant-first solutions, and consistent business growth.
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Rated 4.8 out of 5 by Merchants Nationwide

Thousands of businesses trust Pinpoint Payments to process millions in transactions every month.
With a 4.8 Trustpilot rating, we’re proud to deliver reliability, support, and real results that business owners can count on.
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A+ Rating with the Better Business Bureau

Pinpoint Payments is proud to be an A+ accredited business with the BBB, reflecting our long-term track record of honesty, transparency, and exceptional customer service. In addition, our award-winning support team (recognized by The Talk Awards 2025) provides 24/7 assistance in English and Spanish.

What Our Clients Say

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Very helpful in set up and training

“I enjoyed the overall experience. I've yet to use my new machine, but I'm excited to see how far we can go. Thank Yall.”

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Maya Thompson

2023-05-15

Extremely useful during the installation and training.

"I loved the entire experience! I’m looking forward to trying out my new gadget and seeing what it can do. Thanks a lot!"

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Sophia Martinez

2023-05-15

Incredibly supportive during the setup and training process.

"I had a fantastic experience! I haven't used my new device yet, but I'm eager to explore its capabilities. Thanks, everyone!"

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Liam Carter

2023-05-15

Very helpful in set up and training

“I enjoyed the overall experience. I've yet to use my new machine, but I'm excited to see how far we can go. Thank Yall.”

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Maya Thompson

2023-05-15

Very helpful in set up and training

“I enjoyed the overall experience. I've yet to use my new machine, but I'm excited to see how far we can go. Thank Yall.”

trust logo

Maya Thompson

2023-05-15

Very helpful in set up and training

“I enjoyed the overall experience. I've yet to use my new machine, but I'm excited to see how far we can go. Thank Yall.”

trust logo

Maya Thompson

2023-05-15

Chargeback & VAMP FAQs

What is a chargeback?

A chargeback happens when a customer disputes a transaction with their bank. The funds are pulled from your account until the issue is resolved.

Why are chargebacks such a problem?

They don’t just cost you the sale—you also lose time, pay fees, and risk your merchant account if disputes pile up.

How do you prevent chargebacks?

We use tools like real-time alerts, 3-D Secure authentication, and clear billing practices to stop disputes before they start.

What happens if I get a chargeback anyway?

Our team manages the response. We gather documentation, handle deadlines, and represent your side to give you the best chance of winning.

Will this work for both retail and e-commerce businesses?

Yes. We customize chargeback protection for in-person, online, and mobile sales, since each has different risks.

How much can this reduce my chargebacks?

Results vary, but most merchants see a meaningful drop in disputes and higher win rates when they do occur.

What is VAMP?

VAMP is Visa’s new Acquirer Monitoring Program, combining fraud (TC40) and dispute (TC15) counts into one ratio. Full enforcement starts October 1, 2025.

Why does VAMP matter?

Fraud-related chargebacks now get counted twice, which can push your ratios higher—even if your fraud levels haven’t changed. Falling out of compliance can lead to fines, stricter reserves, or even account termination.

How do you help me stay compliant with VAMP?

We monitor your ratios in real time, reduce disputes before they escalate, and build strong representment cases when needed so you stay under thresholds and in good standing.