Why this matters now

Most chargebacks aren’t fraud. They’re the result of confusion, habit, and a system that trains consumers to dispute instead of ask.

As VAMP pressure increases and monitoring programs tighten, merchants are absorbing the cost of a broken dispute model — one designed to assign liability, not resolve issues.

This session explains why the chargeback problem persists and what the ecosystem is doing to change it.

What you'll walk away with

• Why most disputes are driven by behavior, not criminal intent

• How lack of transaction context fuels first-party (friendly) fraud

• Why alerts and prevention alone can’t solve the problem

• How issuers, merchants, and networks are shifting from adjudication to collaboration

• What Mastercard and ecosystem partners are building to stop disputes earlier

This is not a tactical how-to.

It’s a strategic reframing of chargebacks.

Who this session is for

Designed for professionals managing dispute risk and payments strategy at scale:

• Merchants and eCommerce leaders

• Payments, risk, and fraud executives

• Issuer, acquirer, and ecosystem partners

If you’re looking for a quick fix or checklist, this session is not for you.