{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Talk Commerce","title":"Tim Tynan Reveals How Every Chargeback Tells a Story and chargeback management Best Practices","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/0797a039\"></iframe>","width":"100%","height":180,"duration":1548,"description":"Episode DescriptionIn this episode, I sit down with Tim Tynan, CEO of Chargeback Gurus, to discuss the evolving landscape of chargeback management. We explore how merchants can better handle disputes, the significant changes coming with Visa's VAMP program, and the role of AI in payment processing. Tim brings decades of experience from IBM, Bank of America, and Citigroup to share practical insights for merchants dealing with chargebacks.Key Timestamps[00:02] - Introduction and guest background[01:18] - Baseball discussion (Yankees vs. Twins fans)[02:11] - Free Joke Project segment[02:40] - How to make chargebacks exciting - \"Every chargeback tells a story\"[04:30] - Common chargeback mistakes merchants make[06:12] - VAMP Program explained - Visa's consolidation of dispute and fraud programs[08:11] - Fraud prevention best practices and threshold management[09:57] - New VAMP ratios: 1.5% for merchants, 0.7% for acquiring banks[12:18] - Subscription model challenges - Best practices for recurring billing[15:51] - AI and chatbot impact on customer service and chargebacks[18:36] - The future of AI agents in commerce and dispute resolution[22:01] - Shameless plug for Chargeback Gurus[23:28] - Baseball wrap-up: Roger Clemens discussionKey Topics CoveredVAMP Program ChangesConsolidation of Visa Dispute Management Program and Visa Fraud Management ProgramNew combined ratios and thresholdsImpact on merchants and acquiring banksTimeline for full implementation (2026)Chargeback Best PracticesImportance of upfront documentationConsumer education and clear termsAccount verification methods (CVV, address verification)Quality control processesSubscription Business ModelsOpt-out capabilities as table stakesRegular customer remindersEducation and transparency requirementsBalance between business needs and consumer protectionAI and TechnologyMachine learning applications in chargeback managementHuman expertise vs. automation balanceQuality control and accuracy concernsPractical...","thumbnail_url":"https://img.transistorcdn.com/Iwo9itiv1VVvX4mxHpDFF3LqetNORMJCPIcKVtkYuNY/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9zaG93/LzQ4MTQzLzE3MDM3/NzA2NjQtYXJ0d29y/ay5qcGc.webp","thumbnail_width":300,"thumbnail_height":300}