— Visa VAMP Compliance Solution
Reduce Your VAMP Ratio by 50%.
Before Your Acquirer Calls.
You're one bad month away from a capped MID. QuickRefund intercepts disputes at the gateway level — server-to-server, against the original transaction. No alerts. No chargebacks. No ratio damage.
- Gateway-level integration
- Results in weeks, not months
- Performance-based pricing
- 165 patent items filed
Compatible with your stack
Your Customers Aren't Calling You. They're Calling Their Bank.
84% of consumers say filing a chargeback is easier than requesting a refund from the merchant.
52% skip contacting the merchant entirely before disputing through their bank.
85% of consumers who feel ignored by customer service will file a chargeback.
75% of online fraud is first-party "friendly fraud" — real customers, real purchases, real disputes.
The consumer who wants their money back will get it — either through you at $10, or through their bank at $100+. The only question is which path is easier. Right now, the bank is winning. QuickRefund makes the refund path faster than the chargeback path.
Your Ratios Are Climbing. Your Acquirer Is Watching.
Visa VAMP enforcement is active. The "Excessive" threshold tightened to 1.5% on April 1, 2026. Merchants trending above it face capped accounts, forced reserves, and termination. You do not get a warning first.
Combined fraud and dispute ratio approaching the 1.5% threshold
Acquirer calling about account health and performance reviews
Forced enrollment in alert programs at your own cost — and alerts no longer exclude fraud from VAMP
New merchant accounts underwritten at higher reserves
One bad month puts your entire processing relationship at risk
RDR and CDRN no longer shield fraud-related disputes from your VAMP ratio
QuickRefund Resolves Disputes Before They Enter the Banking System.
Most tools activate after a dispute reaches the bank. By then, the TC40 or TC15 is already filed and your ratio is already hit. QuickRefund works earlier — at the gateway level — so the dispute never exists.
01
We Connect Directly to Your Gateway
QuickRefund integrates server-to-server with your payment gateway (NMI, Authorize.net, Stripe, and others). We see every transaction at the source — not through a third-party feed, not through scraping, not through alerts. Direct gateway access. Setup takes approximately 5 minutes with admin credentials.
Server-to-server gateway integration
02
We Reach the Consumer Before Their Bank Does
After a transaction processes, QuickRefund sends branded, configurable messages (email and/or SMS) to the consumer with a secure one-click refund link. The consumer can resolve their issue directly — no phone calls, no bank, no dispute. The messaging is fully customizable: timing, frequency, and link expiration are all under your control.
Patent-pending one-click refund link
03
QR Chat Resolves Descriptor Confusion First
Many chargebacks happen because the consumer doesn't recognize the charge on their statement. QR Chat is an AI-powered conversational interface that helps consumers identify the transaction before they escalate. If the consumer recognizes the charge, no refund is needed. If they don't, the refund path is one click away. This alone eliminates a significant percentage of "unrecognized charge" disputes.
AI-powered descriptor resolution
04
You Stay in Control — Every Refund, Every Time
Merchants configure thresholds, timing controls, amount limits, and per-card restrictions. You decide what gets refunded automatically and what goes to a queue for review. No surprise refunds. No open-ended refund buttons. You can set dollar caps, time-based restrictions (e.g., no refunds in the first 7 days), and per-card limits to prevent abuse.
Full merchant control layer
05
Refunds Execute at the Gateway — Against the Original Transaction
This is the critical difference. Every QuickRefund refund goes server-to-server through your gateway, against the original transaction ID, back to the original payment method. One refund per transaction. No double-dips across tools or teams. The refund is tied to the exact transaction identity that alerts and chargebacks reference — so once it's closed, a chargeback on that transaction is not possible.
Closed-loop idempotent refunds
06
Your VAMP Ratio Stays Clean
Because the transaction is resolved before the consumer contacts their bank, no TC40 is filed, no TC15 is created, and nothing touches your VAMP ratio. The dispute simply never happens. Your acquirer sees improving metrics. Your reserves stay untouched. Your processing relationship is protected.
Zero ratio impact
Refund Integrity. Not a Refund Button.
Merchants keep reducing this to "AI chat plus a refund button." The messaging is easy. The hard part is control and refund integrity — ensuring every refund is executed safely, tied to the original transaction, and auditable.
One Refund Per Transaction
Every refund is keyed to the original transaction ID. Idempotent by design — the same transaction cannot be refunded twice, even if multiple tools or teams are involved.
Original Payment Method Only
Refunds go back to the card that was charged. Not to a different account, not to store credit, not to a wallet. This is how Visa and Mastercard expect refunds to work.
Trusted Third Party
QuickRefund operates as a neutral, trusted layer between the merchant and consumer. The consumer sees a branded, secure refund experience. The merchant gets auditable proof. Neither side can game the system.
Full Audit Trail
Every refund action is logged with timestamp, transaction ID, consumer action, approval status, and outcome. Risk owners and acquirers can verify exactly what happened and when.
Guardrails Against Over-Refunding
Thresholds, caps, throttles, and exception routing prevent runaway refunds. Merchants set the rules. QuickRefund enforces them at the gateway level.
Remediation Reporting
QuickRefund generates compliance-ready remediation reports showing acquirers and networks exactly what prevention steps are in place. Documentation that risk teams trust.
"We Can Just Build a Refund Button Ourselves."
If a merchant says they can "just email a refund button," they have to answer one question: How will you execute a refund against the original transaction ID without gateway access?
The options are all bad: sending customers into the gateway UI (they can't authenticate), embedding credentials in an email (security nightmare), or calling the gateway API from the backend (now you need server-side permissions, idempotency, double-refund prevention, and audit logs).
If you're not refunding server-to-server through your gateway against the original transaction ID, back to the original payment method, you're not doing what we do. You're just sending money and hoping it prevents disputes.
What Merchants Gain
Within 30 days of going live. Disputes intercepted before they enter the banking system.
Protect working capital and cash flow. Cleaner ratios mean acquirers release reserves, not increase them.
Keep processing without interruption. Stay below thresholds and your account stays open.
Gateway credentials, configuration, and go-live. No multi-week integration projects. No engineering team required.
Compatible With Your Payment Stack
QuickRefund connects server-to-server with the gateways you already use. Click a gateway below to learn more. New gateway integrations coming soon.
The QR Trust Badge: Prevent Disputes Before They Start.
The consumer sees protection before they buy. That changes everything.
The QR Trust Badge appears on your checkout page, product pages, and pay pages — telling the consumer that if anything goes wrong, they can get a refund directly from you, instantly. No phone calls. No bank disputes. That single message changes how consumers think about your store and what they do when there's a problem.
42%conversion lift when trust signals are displayed at checkout. Trust badges are the #1 factor in reducing checkout abandonment.
60%of consumers abandon carts when no trust badges are present. The absence of trust signals is itself a conversion killer.
32%reduction in cart abandonment when security and refund guarantee badges are displayed near the payment button.
Front-End: More Sales
Consumers buy with confidence when they know they're protected. The Trust Badge reduces the hesitation that kills conversions — especially for first-time buyers and higher-price-point purchases.
Back-End: Fewer Disputes
When consumers know they can get a refund directly from you, they don't go to the bank. The Trust Badge is a visual promise that retrains consumer behavior — come to us first, not your bank. The refund path is right here.
Here's the psychology: 52% of consumers skip the merchant entirely before filing a dispute. They do this because they don't believe the merchant will help them. The Trust Badge, visible from the moment of purchase, tells the consumer: "You're protected. If you need a refund, come directly to us — it's faster than calling your bank." This pre-conditions the consumer to choose the refund path over the dispute path, before they ever have a problem. That's not just conversion optimization. That's chargeback prevention at the point of sale.
The Consumer Will Get Their Money Back Either Way.
The only question is which path costs you less.
Through the Bank
$100-250
Chargeback fee ($30-50) + lost goods + VAMP fine ($8-10/txn) + operational time + ratio damage + potential account termination
vs.
Through QuickRefund
$10
Per refund. No setup fee. No monthly fee. No ratio impact. No alert cost. Performance-based pricing — you pay only when disputes are prevented.
Built for Everyone in the Processing Chain.
merchants
High-Volume E-Commerce, Subscriptions, Nutraceuticals
If your dispute ratio is above 1.0% or your acquirer has called, QuickRefund is for you. We stop disputes before they become chargebacks — before they touch your VAMP ratio. You keep your processing relationship, your reserves, and your revenue.
ISOs & Acquirers
Your Entire Portfolio's Ratio Is Your Problem Now
Under VAMP, one high-risk merchant affects your standing with Visa. Acquirer thresholds are 0.5-0.7%. QuickRefund is the value-added service you deploy across your book to protect your entire portfolio — not just one merchant at a time.
Built by People Who Know What a Capped MID Costs.
QuickRefund was not built in a lab. It was built by C-suite payments veterans who have run sponsor banks, processors, acquirers, and ISOs. We built it for our own merchants first. When it worked, we made it available to everyone.
"QuickRefund did what our alert provider couldn't — it stopped disputes before they hit our VAMP ratio. We went from 1.8% to under 0.9% in three weeks."