Amboss on Nostr: On 1 April 2026, Visa lowered the dispute ratio that marks a merchant as "excessive" ...
On 1 April 2026, Visa lowered the dispute ratio that marks a merchant as "excessive" from 2.2% to 1.5% in the US, EU, Canada and Asia Pacific. Above it, each counted fraud report or dispute carries an $8 fee.
The rule applies once a merchant has more than 1,500 fraud reports and disputes in a month. For high-volume, high-risk merchants such as iGaming operators, that line can sit close, and the fee comes on top of the reversed payment.
Lightning payments work differently. A completed payment is final, so there are no card chargebacks to count. When a customer needs a refund, you send a new payment under your own policy.
Amboss adds Bitcoin and stablecoin payments to the cashier you already run, next to cards.
How it works for iGaming operators:
https://amboss.tech/use-cases/igaming 
Published at
2026-11-03 19:06:15 UTCEvent JSON
{
"id": "1094ef9a7a82273fded6f6786e661aa3482bd3f65d18835d9f15d51610b772c5",
"pubkey": "2af01e0d6bd1b9fbb9e3d43157d64590fb27dcfbcabe28784a5832e17befb87b",
"created_at": 1793732775,
"kind": 1,
"tags": [
[
"t",
"lightning"
],
[
"t",
"bitcoin"
],
[
"imeta",
"url https://image.nostr.build/de388245b2f5f8f62bea106b6bc791669421b157f07cc7d6ad1639b083f76211.png",
"m image/png",
"dim 1200x630",
"alt Card from Amboss. Payments · Card disputes. Headline: Visa's \"excessive\" dispute line for merchants fell from 2.2% to 1.5%. 1.5%: merchant ratio since 1 Apr 2026; $8: per counted fraud report or dispute. Applies above 1,500 fraud reports + disputes a month; US, EU, Canada, Asia Pacific. Source: Visa VAMP fact sheet (note 5); Checkout.com VAMP thresholds."
]
],
"content": "On 1 April 2026, Visa lowered the dispute ratio that marks a merchant as \"excessive\" from 2.2% to 1.5% in the US, EU, Canada and Asia Pacific. Above it, each counted fraud report or dispute carries an $8 fee.\n\nThe rule applies once a merchant has more than 1,500 fraud reports and disputes in a month. For high-volume, high-risk merchants such as iGaming operators, that line can sit close, and the fee comes on top of the reversed payment.\n\nLightning payments work differently. A completed payment is final, so there are no card chargebacks to count. When a customer needs a refund, you send a new payment under your own policy.\n\nAmboss adds Bitcoin and stablecoin payments to the cashier you already run, next to cards.\n\nHow it works for iGaming operators: https://amboss.tech/use-cases/igaming\n\nhttps://image.nostr.build/de388245b2f5f8f62bea106b6bc791669421b157f07cc7d6ad1639b083f76211.png",
"sig": "77461f1ae274f16711ddcbe74b7686dec329b321f481c663439389d3f31503d2c406a6e97a6f9ef412765238725660d7cca981b83eeda5526b37133ef577874d"
}
