Tim Tynan Reveals How Every Chargeback Tells a Story and chargeback management Best Practices

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Talk Commerce

Brent W. Peterson

388 episodes

3 days ago

If you are seeking new ways to increase your ROI on marketing with your commerce platform, or you may be an entrepreneur who wants to grow your team and be more efficient with your online business. Talk Commerce with Brent W. Peterson draws stories from merchants, marketers, and entrepreneurs who share their experiences in the trenches to help you learn what works and what may not in your business. Keep up with the current news on commerce platforms, marketing trends, and what is new in the entrepreneurial world. Episodes drop every Tuesday with the occasional bonus episodes. You can check out our daily blog post and signup for our newsletter here https://talk-commerce.com

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Technology

Business,

Entrepreneurship

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Tim Tynan Reveals How Every Chargeback Tells a Story and chargeback management Best Practices

Talk Commerce

25 minutes

1 month ago

Tim Tynan Reveals How Every Chargeback Tells a Story and chargeback management Best Practices

Episode Description

In 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 discussion

Key Topics Covered

VAMP Program Changes

Consolidation of Visa Dispute Management Program and Visa Fraud Management Program
New combined ratios and thresholds
Impact on merchants and acquiring banks
Timeline for full implementation (2026)

Chargeback Best Practices

Importance of upfront documentation
Consumer education and clear terms
Account verification methods (CVV, address verification)
Quality control processes

Subscription Business Models

Opt-out capabilities as table stakes
Regular customer reminders
Education and transparency requirements
Balance between business needs and consumer protection

AI and Technology

Machine learning applications in chargeback management
Human expertise vs. automation balance
Quality control and accuracy concerns
Practical implementation approaches