{"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 Description\n\nIn 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.\nKey Timestamps\n\n[00:02] - Introduction and guest background\n[01:18] - Baseball discussion (Yankees vs. Twins fans)\n[02:11] - Free Joke Project segment\n[02:40] - How to make chargebacks exciting - \"Every chargeback tells a story\"\n[04:30] - Common chargeback mistakes merchants make\n[06:12] - VAMP Program explained - Visa's consolidation of dispute and fraud programs\n[08:11] - Fraud prevention best practices and threshold management\n[09:57] - New VAMP ratios: 1.5% for merchants, 0.7% for acquiring banks\n[12:18] - Subscription model challenges - Best practices for recurring billing\n[15:51] - AI and chatbot impact on customer service and chargebacks\n[18:36] - The future of AI agents in commerce and dispute resolution\n[22:01] - Shameless plug for Chargeback Gurus\n[23:28] - Baseball wrap-up: Roger Clemens discussion\nKey Topics Covered\n\nVAMP Program Changes\n\nConsolidation of Visa Dispute Management Program and Visa Fraud Management Program\nNew combined ratios and thresholds\nImpact on merchants and acquiring banks\nTimeline for full implementation (2026)\n\nChargeback Best Practices\n\nImportance of upfront documentation\nConsumer education and clear terms\nAccount verification methods (CVV, address verification)\nQuality control processes\n\nSubscription Business Models\n\nOpt-out capabilities as table stakes\nRegular customer reminders\nEducation and transparency requirements\nBalance between business needs and consumer protection\n\nAI and Technology\n\nMachine learning applications in chargeback management\nHuman expertise vs. automation balance...","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}