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01/22/2025
Here's our weekly dose of VAMP insights. Check out our answer to a recently received question.
❓Are VAMP ratios and minimums calculated on a per-MID basis?
Current fraud and chargeback monitoring programs calculate risk for each individual MID (merchant account). So an individual MID could breach thresholds and get terminated.
However, VAMP calculations are based on descriptors — not MIDs. Descriptors by acquirer, to be exact.
What does that mean?
If you have multiple merchant accounts with the same or similar descriptor — all with a single acquirer — then those accounts may be rolled together and viewed as one descriptor. And ratios and minimums would be for the combined MIDs.
In theory, if that one descriptor breaches the thresholds, then the consolidated accounts could all be impacted.
We don’t know for sure if that’s how descriptors will be handled. You’ll want to talk to your acquirer to be sure.
If this — or any other VAMP updates — are a concern for your business, feel free to reach out to our team. We can talk through potential strategies and help you determine the best way to move forward.
11/20/2024
Here's our weekly dose of VAMP insights. Check out our answer to a recently received question.
❓❓ Can a TC-40 occur when a Visa transaction was authenticated with 3D Secure? 🤔 🤔
Yes, it can and does.
The process for issuers to file a TC-40 case vs. a dispute is separate and distinct.
An issuer can file a TC-40 case even if they choose not to file the dispute — or if they can’t file the dispute due to 3DS liability shift.
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Our Story
Alto Global Processing is a leading provider of merchant services for internet and e-commerce businesses. The company has formed direct acquiring relationships with merchant banks in nearly every continent of the world to service the broad scope of online industries and maximize merchant profitability. By pairing merchants with strategic acquiring partners based, in part, on industry, risk factors, geography and target market, Alto has been able to increase merchant revenue and reduce overall processing costs for our clients.
Perhaps Alto’s most valuable asset is founded on the versatility of its team members. The management team has been strategically selected and premised on areas of expertise. In turn, Alto has collectively created an operational team that has decades of combined experience in the technical, banking and merchant space.
Alto also offers a variety of value added products. The company has developed its proprietary payment gateway technology to securely transmit the transactional data directly from merchant to acquirer, and is integrated with nearly every commonly used CRM. Alto also works with Alternative Payment Networks to maximize merchant revenue in regions of the world where credit / debit cards are not the primary form of payment. Additionally, Alto Global Processing has created the AltoShield product suite of industry leading risk management and chargeback prevention tools to help merchants worry less about risk, fraud and chargebacks, and more about increasing their bottom line!
