Fraud & Disputes

Learn about the operational challenges and risks associated with the fraud & dispute process for banks and explore strategies and best practices benefitting both banks and their cardholders.

All Fraud & Disputes Guides & Reports News Podcasts Scheme Compliance Success Stories Thought Leadership Webinars

What Spain's new customer service law means for card disputes

Spain's new customer service law is now in force, and some vendors are pitching conversational AI as the compliance answer, but the law's toughest requirements, guaranteed human escalation and a fully auditable record of every complaint, aren't solved by a more fluent chatbot. This post breaks down what the law actually requires, why Air Canada's chatbot ruling shows the legal risk of leaving compliance to an LLM's best guess, and how deterministic, rule-based systems give auditors the traceable answer they're looking for. It also shows how Amiko's rulebook-driven decisioning, with machine intelligence layered on top for specific tasks, keeps card issuers compliant without gambling the audit trail on a model's output.

JUL 20, 2026

Serial disputers: Why the pattern matters more than the single claim

Serial disputers are draining bank profits by exploiting chargeback systems through repeat "item not received" or "empty box" claims, and the rise of organised fraud-as-a-service operations is making it worse. This post breaks down the difference between fraud, friendly fraud, and serial disputing, then explains how issuers can track repeat offenders across PANs and accounts. It also shows how Amiko's virtual agent, automation, and analytics help banks move from reactive fraud recovery to proactive prevention.

JUL 16, 2026

Why dispute management is the next frontier in fraud fighting

Global card fraud losses are set to climb to $41 billion by 2030 even as fraud rates fall, driven by relentless transaction volume growth and the rise of first-party fraud. As AI strengthens both fraud detection and fraudster tactics, issuing banks face mounting pressure in dispute operations that weren't built to scale. This piece explores why the next wave of loss reduction will come from automating and modernising fraud and dispute workflows, not just better detection.

JUL 2, 2026

What zero-touch dispute resolution yields, and why CFOs should care

Dispute management costs grow with your portfolio, no matter how good your team gets. Learn how zero-touch automation cuts friendly fraud losses by 40–50%, compresses resolution timelines, and breaks the linear relationship between card volume and headcount.

JUN 4, 2026

What Visa new VAMP thresholds mean for issuing banks in 2026

What Visa's new VAMP thresholds mean for issuing banks in 2026

Visa's VAMP merchant threshold dropped to 1.5% on 1 April 2026. This piece looks at the downstream rise in dispute and fraud case volumes, the increased weight on TC40 reporting accuracy, and how pre-dispute tools interact with VAMP for issuing banks.

MAY 29, 2026

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 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

Agentic commerce needs a new dispute framework

Agentic commerce is rewriting the rules of every transaction, but the back-office isn't fully ready. Explore how AI-driven transactions are transforming dispute frameworks, and what issuers must do now to stay ahead. When AI agents execute purchases without a human at the checkout, the entire post-transaction framework including disputes, liability, consent, evidence should be rebuilt from the ground up. See what issuers must do now to stay ahead.

MAR 6, 2026

1 2 3...6 Next