"There's no way that these are not gonna be upcharged. There is zero chance these are not gonna be marked up just like every other thing that PSPs do."

In this episode, Ronan Ben-Ami from the chargeback mitigation company Justt, breaks down the latest changes to chargeback fees from Visa. The card network has introduced new fees for acquirers and shorter response deadlines, which will likely increase costs for businesses. Acquirers are now charged higher fees for longer dispute resolutions, and they're passing those costs directly to merchants. This means merchants will have less time to fight disputes and will incur more fees for delays, making it more critical than ever to have a quick and effective chargeback strategy. With these changes, the focus for merchants must shift from simply winning disputes to maximizing the Return on Investment (ROI) for each case. The new landscape requires businesses to have a deep understanding of their specific fees and to obtain their TC40 and TC15 data to properly monitor their chargeback ratios. To adapt, merchants should consider using smart decisioning tools that can automatically accept disputes that aren't worth fighting and build strong, compelling cases for those that are, helping to protect their bottom line in this new era of increased fees and shortened timelines.

Links from the video:

Tables for the new fees: https://justt.ai/blog/visa-chargeback-fee-changes-april-2025/#:~:text=Below%20are%20the%20main%20changes,a%20%241.00%20fee%20per%20case.

VAMP Guide: https://justt.ai/guides-and-ebooks/guide-get-ready-for-vamp/

Justt Dispute Optimization: https://justt.ai/blog/justt-announces-dispute-optimization-to-help-merchants-maximize-chargeback-recovery/

V I D E O S T O W A T C H N E X T :

Friendly Fraud in Crypto with Justt? https://youtu.be/GMm1lvm_FOw

Justt Chargeback Report Results? https://youtu.be/e40pUzQr8x4

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"They simplified the fees for the merchant as opposed to what's happening behind the scenes and how they're being charged by the card schemes. But they're keeping themselves ROI positive, and they're making money off of the scenario."

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