Managing disputes can be costly and complex

As the payment ecosystem has grown, so have disputes. Making dispute management increasingly expensive, complicated, and labor-intensive. This is especially true in the ecommerce space, where a seamless buying experience may cause consumers to forget—and therefore dispute—the details of their transactions. The key is to create a comprehensive approach that minimizes disputes, protects against fraud, and eases the burden on existing resources.

47 %

increase in disputes from 2019 to 2023¹

69 %

of disputes are determined to actually be fraudulent²

Visa Dispute Optimization Service

Turn to our team for strategic guidance, benchmarks and recommendations to help you better handle disputes. Visa Dispute Subject Matter Experts (SME) begin with an in-depth review of your historical data. They then provide you with process improvement suggestions, protocols and best practices to help you optimize your cost management and win rates.

Peer benchmarking

Process improvements

Increased effectiveness

Subject matter expertise

Dispute workshops

Performance measurement

Connect with Visa experts

We have a range of service options to help clients optimize dispute management, with engagements that can range from one year to one day.*

Consulting engagements

High-level and detailed dispute reviews, as well as arbitration optimization options —delivered as annual engagements with quarterly reporting.

Dedicated meeting time with a Visa Dispute SME

Experts answer your organization’s unique dispute questions.

Dispute workshop

Customized content delivered by a Visa Dispute SME to improve your team’s dispute skill sets.

*Timelines may vary depending on the specific engagement

Serving the needs of the entire payment ecosystem

Visa Dispute Optimization Service provides a complete dispute management strategy so you and your clients can streamline operations and more quickly resolve customer disputes.


  • Optimize call center rep and dispute analyst interactions with cardholders
  • Employ automated processes to streamline operations and reduce costs
  • Identify opportunities to implement innovative cardholder self-service solutions 

Issuer Service Providers

  • Automate more of your dispute management service
  • Leverage best practices to streamline processes and reduce costs  
  • Achieve consistently higher win rates* 

Merchant Service Providers

  • Bring greater efficiencies to dispute management
  • Improve data sharing to more quickly address disputes with issuers
  • Implement process improvements to better serve merchant clients


  • Optimize pre- and post-dispute protocols to minimize chargeback ratios, combat friendly fraud, and reduce costs
  • Provide improved transaction transparency to consumers by sharing digital receipt data with issuers 
  • Streamline your consumers’ post-purchase experience

*Benefits are illustrative only and may vary depending on implementation details and business factors

Put Visa Dispute Optimization Service to work for you

Start streamlining your dispute management processes today.