Higher approvals, lower fraud, fewer chargebacks.
Card-not-present processing tuned to lift your authorization rate and keep your dispute ratio under Visa's 2026 thresholds.
Ecommerce lives and dies on two numbers: your authorization rate (the percentage of cards that approve) and your dispute ratio (the percentage that come back as chargebacks). Visa's new VAMP rules drop the Excessive threshold to 1.5% on April 1, 2026, with an $8 fee on every disputed and fraudulent transaction once you cross it. We tune your gateway, smart-route to the right issuers, and layer 3DS 2.0 so good orders clear and bad ones never settle.
On April 1, 2026, Visa dropped the Excessive merchant threshold from 2.2% to 1.5% disputes, a 32% reduction in tolerance. Once you're flagged Excessive, every disputed and fraudulent transaction gets an $8 fee on top of the chargeback itself. First-time offenders get a three-month grace period in a rolling 12-month window before enforcement starts.
Mastercard expects ~90% of 3DS 2.0 transactions to flow through frictionless authentication, meaning the customer never sees a challenge. Frictionless 3DS shifts liability without adding a step. We turn on dynamic 3DS so only high-risk transactions get challenged, and low-risk ones authenticate silently.
Both. Some merchants run us as their primary gateway; others use us for international BINs, recurring tokens, or high-risk product lines while keeping Stripe on standard checkout. We integrate as a third-party gateway on Shopify, WooCommerce, BigCommerce, or directly via API.