Blog

Simplifying payment operations for banks — scheme compliance, dispute management, fraud recovery and industry trends.

Inside Visa dispute intelligence stack VDDA and VDI explained

Inside Visa's dispute intelligence stack: VDDA and VDI explained

Visa brought two AI tools into the issuer's dispute toolkit: VDDA, which extracts structured data from evidence documents in under a minute, and VDI, which scores a dispute's win-likelihood using Visa's global transaction data. Here's what each one does, where human judgement still sits, and how both work inside Amiko.

MAY 13, 2026

How issuer banks can reconcile Mastercard dispute fund movements: A practical guide

Every Mastercard chargeback triggers a chain of credits, debits, and fees that must reconcile cleanly across Mastercom, Dual Message Clearing system files, and your GL. Yet most issuers piece the process together from fragments of documentation. This guide maps the full dispute lifecycle to the exact fund movements at each stage, covers the Collaboration and Fee Collection flows teams commonly miss, and lays out a three-layer framework (transaction, file, settlement).

MAY 7, 2026

Why payment network knowledge is a data problem, not a compliance one

Transaction data in banking is highly advanced, but the knowledge behind payment networks is still fragmented. Visa and Mastercard release thousands of pages of complex updates each year, often in PDFs that compliance and product teams need to manually interpret. This creates growing pressure as update volume rises faster than team capacity. Banks are investing in AI, but it requires structured data, making the real issue the way this information is managed. Treating scheme documentation as a structured data asset can reduce manual work and improve decision-making across the organisation.

APR 29, 2026

Payment network fees explained: Trends, changes, and what to know

Payment network fees are a core part of the card ecosystem, and as they continue to evolve in structure and scale, understanding how they work and what drives them is key to managing costs effectively. Without clear ownership and active governance, organisations risk rising costs and missed opportunities to reduce unnecessary fees.

APR 24, 2026

Amiko is getting even smarter and dispute management will never look the same

Amiko by Rivero combines a scheme-rules engine with machine intelligence to automate the full dispute lifecycle – from cardholder intake to chargeback filing. New Copilot and Autopilot capabilities mean agents focus on complex exceptions while routine cases resolve themselves. The result: lower cost per dispute, better win rates, and compliance risk that's managed rather than missed.

APR 13, 2026

Revenue models: Making money in the card payment ecosystem

Every card transaction triggers a precise redistribution of value across parties in the payment network ecosystem. This article unpacks how money flows between issuers, acquirers, networks, cardholders, and merchants and what drives profitability for each.

APR 9, 2026

Why Mastercard TLID mandate should interest your disputes team

Why Mastercard's TLID mandate should interest your disputes team

From October 2026, every merchant-initiated charge under a stored card agreement must carry a scheme-generated identifier linking it to the original cardholder consent. The implementation burden sits with acquirers, but the operational benefits sit with your disputes team. Here's what changes in your disputes back office, and why it matters now.

APR 2, 2026

What Mastercard Scam Merchant Monitoring 2026 Means for Issuers

What Mastercard's Scam Merchant Monitoring 2026 Means for Issuers

Mastercard is updating its mandatory scam merchant monitoring in July 2026. Learn what triggers investigations, how the scam criteria affect your business, and how to prepare your fraud and dispute operations.

MAR 26, 2026

Wero, EPI & the UK National Payments Vision: Preparing payment operations for a multi-rail future

As initiatives like Wero, EPI, and the UK's National Payments Vision gain momentum, the payments landscape is shifting from a two-network world to a multi-rail reality. Banks that design their operations around scheme-agnostic workflows, rather than treating each new rail as a standalone project, will be best positioned to adapt faster.

MAR 12, 2026

1 2 3...15 Next