ChargeForward With Chargebacks911

ChargeForward Conversations - Turning False Declines Into Real Revenue

Video Podcast Replay – Audio from a ChargeForward Conversations video podcast with experts from Chargebacks911 and Paytently.

False declines are costing merchants more than they realize. In this episode of ChargeForward Conversations, host Jarrod Wright sits down with Samuel Barrett, Founder and CEO of Paytently, to break down how payment orchestration helps merchants recover lost revenue, improve acceptance rates, and scale globally without adding friction at checkout.

Samuel explains what false declines really are, why most merchants fail to detect them in real time, and how intelligent transaction routing quietly boosts performance behind the scenes.

What you’ll learn:

• What causes false declines and why they are so costly
• How payment orchestration works in real time
• Improving acceptance rates without slowing checkout
• Unifying acquirer data across regions and providers
• Why Paytently became a licensed financial institution
• Who benefits most from orchestration platforms

Presentations by Jarrod Wright and Samuel Barrett

ChargeForward Conversations - Uncovering Fraud’s Blind Spots: The Hidden Risks Lurking Behind ACH, Returns & Synthetic Identities

Video Podcast Replay – Audio from a ChargeForward Conversations video podcast with experts from Chargebacks911 and isolved.

Credit card fraud is just the beginning. ACH fraud, synthetic identity scams, and return abuse are evolving fast—and most merchants aren’t ready. In this episode of ChargeForward Conversations, Steve Lenderman, Head of Fraud Prevention at isolved, walks us through the darker corners of modern financial crime and the blind spots that put your business at risk.

If you thought R10 disputes only protected consumers, or that account takeovers were easy to spot, think again. Steve has trained law enforcement, built fraud teams at PayPal and ADP, and even created synthetic identities for white-hat research. This is one episode you can’t afford to skip.

What you’ll learn:

• Why R10 “chargebacks” via ACH are a growing merchant liability
• How synthetic identities are created in under 10 minutes with AI
• The link between economic pressure and first-party fraud
• Why return fraud is harder to define—and detect—than you think
• How fraudsters are scaling attacks using LLMs and automation
• The need for new fraud fighters in the next generation

Presentations by Jarrod Wright and Steve Lenderman

Peak Shopping Season Playbook - Managing Payments, Refunds and Chargebacks During the Holidays (Webinar Replay)

Webinar Replay – Audio from an earlier webinar with experts from Chargebacks911 and Adaptiv.

Holiday sales surge every year, but so do fraud attempts, refund abuse, and chargeback risk. As traffic spikes and decision windows compress, merchants have less room for error and higher exposure across their entire payments ecosystem.

In this episode we help merchants prepare their payments stack for peak traffic, fine tune fraud controls without overcorrecting, and prevent the post holiday chargeback surge before it hits.

What you’ll learn:

• How holiday transaction volume shifts during Cyber Week and how shopper behavior impacts payment performance
• How to stress test your payments stack to avoid downtime, latency, and soft decline spikes
• How to minimize false declines while strengthening fraud controls
• Which fraud tactics will escalate this season and how to prepare ahead of time
• How to prevent the January and February chargeback hangover that follows holiday peaks

Presentations by Justin Clements, Steve Marshall and Paul Smith

VAMP Attack - Surviving Visa’s New Fraud Monitoring Era: Learn how Visa’s VAMP program is rewriting fraud rules (Webinar Replay)

Video Podcast Replay – Audio from an earlier webinar with experts from Chargebacks911 and Bankful

Visa’s new VAMP program marks a turning point in fraud monitoring. Unlike past iterations, VAMP puts acquirers directly in the driver’s seat as enforcement partners, raising the stakes for merchants. From TC40 visibility to enumeration ratios, the risks are real and the penalties are steep.

We break down what’s changed, what hasn’t, and how merchants can prepare before the new rules come back to bite.

What you’ll learn:

• Why VAMP represents a complete overhaul, not a tweak to old fraud programs.
• The critical role of acquirers as enforcers and what that means for merchants.
• How TC40s now count toward ratios, and why real-time visibility is key.
• The power of Compelling Evidence 3.0 to shift liability back to issuers.
• Why the enumeration ratio could become your scariest KPI and how to monitor it.
• Practical questions merchants should be asking their acquirers right now to avoid trouble later.

Presentations by Zak Matthews and Kellen Rayner

ChargeForward Conversations - B2B Payment Optimization: How Businesses Can Save More Than 30% in Processing Costs

Video Podcast Replay – Audio from a ChargeForward Conversations video podcast with experts from Chargebacks911 and PayBright.

Most merchants don’t realize how much they’re overpaying in processing fees. In this episode of ChargeForward Conversations, Chargebacks911’s Jarrod Wright sits down with Dustin Magaziner, CEO at PayBright, to discuss how B2B merchants can leverage interchange optimization to dramatically lower costs, and how recent Visa changes are reshaping who qualifies for those savings.

What you’ll learn:

• Why many B2B merchants are still paying 30–40% more than they should in processing fees
• The difference between B2B, B2C, and B2G payment structures—and what it means for your bottom line
• How Level 2 and Level 3 data enable deep fee reductions through interchange optimization
• What Visa’s CEDP rollout means for merchants and agents—and how to avoid losing your discount rates
• Common mistakes processors make that block merchants from qualifying for lower interchange rates
• Simple steps to confirm whether your business is set up to receive optimization benefits

Presentations by Jarrod Wright and Dustin Magaziner

ChargeForward Conversations - Visa’s VAMP Overhaul: What Merchants Need to Know

Video Podcast Replay – Audio from a ChargeForward Conversations video podcast with experts from Chargebacks911.

Visa is rolled out major changes to its Visa Acquirer Monitoring Program (VAMP) in 2025, and many merchants aren’t ready. These updates will significantly reshape how acquirers and merchants are monitored, how fraud is flagged, and how compliance thresholds are enforced. In this episode of ChargeForward Conversations, we break down exactly what’s changing, why it matters, and what merchants should be doing right now to avoid painful surprises.

What you’ll learn:

• What Visa’s new VAMP rules actually mean for merchants
• Why compliance thresholds are getting stricter—and how that affects fraud monitoring
• The real-world impact of enumeration ratios, chargeback thresholds, and junk data cleanup
• Common merchant blind spots that could trigger monitoring or penalties
• How acquirers and processors are adapting their systems behind the scenes
• Practical steps merchants can take today to stay ahead of the curve

Presentations by Zak Matthews and Jarrod Wright

Third-Party Delivery, First-Party Fraud: How Restaurants Can Take a Bite Out of Disputes (Webinar Replay)

Video Webinar Replay – Audio from an earlier webinar with experts from Chargebacks911 and Voosh.

Food delivery platforms are essential, but they’re also eating into your margins. From chargebacks and incorrect payouts to lost orders and commission errors, third-party platforms create complexity... but that doesn’t have to cost you revenue.

In this episode we explore ways to maximize the benefits of delivery platforms while safeguarding your revenue. Restaurants, QSRs, and ghost kitchens looking to reduce chargebacks, improve aggregator performance, optimize customer service, and recover more revenue with less efforts should listen to this podcast. 

What you’ll learn:

• Hidden risks of DoorDash, UberEats & other delivery platforms
• Tips for fighting back against “Item Not Received” fraud
• Recovering revenue lost to disputes, missed orders, & downtime
• How to protect ghost kitchens & virtual brands from chargebacks
• Automating reconciliation: POS, accounting, & delivery platforms

Presentations by Justin Clements and Priyam Saraswat

ChargeForward Conversations - Why Consumers File Disputes in 2025: Actionable Insights from the 2025 Cardholder Dispute Index

Video Podcast Replay – Audio from a ChargeForward Conversations video podcast with experts from Chargebacks911.

Dispute numbers continue to surge. Who’s to blame? Have consumers changed their thinking over the last few months? Are there new threats we’re seeing? And will they continue to grow? Part of the answer can be found in this webinar.

Chargebacks911 invites you to take a realistic view of the current state of disputes and chargebacks – from the customer’s point of view. Based on the 2025 Cardholder Dispute Index, this live webinar reflects the input of hundreds of consumers – all with recent dispute experiences. You’ll hear real-world responses and gain must-know statistics crucial to protecting your revenue.

What you’ll learn when you listen to this podcast:

• How long average dispute values will continue to climb
• Which new payment methods you can’t afford to ignore
• When to best leverage the customer “convenience gap”
• Why over ¾ of consumers prefer disputes to refunds
• How banks are creating a “trust/satisfaction paradox”

Presentations by Jarrod Wright and Zak Matthews

How to Stop Fraud Without Increasing Declines - Turning Card Declines into Absolute Wins (Webinar Replay)

Video Webinar Replay – Audio from an earlier webinar with experts from Chargebacks911 and Bounce.

A whopping 10% of deals fail during payment processing, leading to customer churn and needless revenue loss. Tightening fraud detection leads to increased friction at checkout. Widening parameters leave you more vulnerable to fraud. Is there a way to increase conversions without compromising security?

What you’ll learn when you listen to this podcast:

• Walking a tightrope: too much friction vs. too little
• Understanding how anti-fraud tools impact conversion rates
• The role of AI, alerts & fraud scoring in streamlining disputes
• Identifying and monitoring key performance metrics
• Improving checkout flow & fraud detection simultaneously

Presentations by Justin Clements and Bator Sutton

Foiling Fraud with VAMP - Understanding Visa’s Acquirer Monitoring Program (Webinar Replay)

Video Webinar Replay – Audio from an earlier webinar with experts from Chargebacks911

Technological breakthroughs, alternative payment choices, and increasingly complex regulations continue to change the face of payments. The result is a rise of fraud and chargebacks that have left merchants reeling and card networks new tools for merchant protection.

We take a close look at the basics of Visa’s Acquirer Monitoring Program (VAMP)  and the ways it’s been updated.

• What you’ll learn when you listen to this podcast:
• What VAMP is and why you need it
• How RDR & CDRN now impact VAMP ratios
• What’s new for 2025 (and what changes in 2026)
• How partner tools help manage thresholds
• Using VAMP for proactive fraud monitoring

Presentations by Justin Clements and Zak Matthews