Win Disputes Without Losing Your VAMP Ratio
Most representment platforms maximize win rate. We optimize for portfolio VAMP ratio — fighting the disputes worth winning, accepting the ones that aren't, and protecting your acquirer relationship from threshold breaches. See it across a 1,000-merchant simulation, running on the same engine deployed today on the Stripe App Marketplace.
Total merchants
0
Total disputes
0
Portfolio VAMP ratio
0.37%
At-risk merchants
0
The Portfolio, By Tier
Most merchants are healthy. The long tail is what matters.
Visa fines acquirers $4–8 per disputed transaction when a portfolio crosses 1.5%. Most merchants stay healthy on their own — the at-risk tail is where automated decisions earn their keep.
6 Months of Portfolio Trajectory
ChargePilot tracks every merchant's projected end-of-month ratio — not just lifetime average. Decisions react to current trajectory.
Reference lines mark caution (0.75%), urgent (1.0%), and critical (1.5%) tiers. The portfolio aggregate stays well below threshold — but individual merchants have very different trajectories.
The 20 Merchants That Need Attention
Sorted by projected end-of-month ratio. Each one gets a tailored recommendation.
| Business ↕ | MCC ↕ | Lifetime Ratio ↕ | Projected EOM ↓ | Tier ↕ | Recommended Action |
|---|---|---|---|---|---|
| Coral Works LLC | 7372 | 3.97% | 41.17% | critical | Auto-accept all new disputes — fighting deepens VAMP exposure at this ratio level. |
| Onyx Holdings | 5732 | 1.57% | 17.94% | elevated | Standard decision logic; review monthly trend. |
| Meridian Trading Co | 5732 | 3.12% | 11.47% | critical | Auto-accept all new disputes — fighting deepens VAMP exposure at this ratio level. |
| Stellar Outpost | 5945 | 2.86% | 10.31% | critical | Auto-accept all new disputes — fighting deepens VAMP exposure at this ratio level. |
| Crystal Partners LLC | 5691 | 0.80% | 10.12% | moderate | Healthy buffer — continue fighting all defensible disputes. |
| Cascade Atelier Co | 5734 | 1.21% | 9.64% | elevated | Standard decision logic; review monthly trend. |
| Meridian Trading | 5734 | 2.85% | 9.48% | critical | Auto-accept all new disputes — fighting deepens VAMP exposure at this ratio level. |
| Cascade House | 7372 | 1.47% | 7.18% | urgent | Tighten fraud screening on high-amount charges; accept low-probability disputes to protect ratio headroom. |
| Orbit Collective LLC | 5945 | 0.65% | 7.08% | moderate | Healthy buffer — continue fighting all defensible disputes. |
| Beacon Industries | 5732 | 1.56% | 6.77% | urgent | Maintain current thresholds, refund any low-probability disputes to protect ratio headroom. |
| Orbit Solutions | 5691 | 1.75% | 6.68% | urgent | Maintain current thresholds, refund any low-probability disputes to protect ratio headroom. |
| Glacier Outpost LLC | 5814 | 1.16% | 6.63% | caution | Monitor closely; selective fighting only on disputes with high win probability. |
| Iron Holdings | 5691 | 1.35% | 6.40% | urgent | Maintain current thresholds, refund any low-probability disputes to protect ratio headroom. |
| Tundra Associates | 5691 | 1.12% | 6.09% | caution | Monitor closely; selective fighting only on disputes with high win probability. |
| Vapor Exchange Corp | 5945 | 1.29% | 5.80% | caution | Monitor closely; selective fighting only on disputes with high win probability. |
| Cascade Forge Inc | 5814 | 0.96% | 5.75% | elevated | Standard decision logic; review monthly trend. |
| Vapor Outfitters | 5732 | 1.19% | 5.73% | caution | Monitor closely; selective fighting only on disputes with high win probability. |
| Ember House Corp | 5814 | 1.28% | 5.67% | caution | Monitor closely; selective fighting only on disputes with high win probability. |
| Ridge Holdings Co | 5734 | 1.16% | 5.65% | caution | Monitor closely; selective fighting only on disputes with high win probability. |
| Lumen Associates Corp | 5734 | 0.89% | 5.63% | elevated | Standard decision logic; review monthly trend. |
Click column headers to sort. Tier definitions: Healthy (<0.3%) · Moderate (0.3–0.75%) · Elevated (0.75–1.0%) · Caution (1.0–1.25%) · Urgent (1.25–1.5%) · Critical (1.5%+)
The Decision Engine In Action
See how ChargePilot decides which disputes to fight — every dispute is weighed against the merchant's VAMP exposure, not just win rate.
Summit Exchange Corp
10.4 Fraudulent
Dispute amount
$174.41
Win probability
78%
High win probability with healthy ratio headroom — strong evidence makes this dispute worth fighting.
Maple Outpost
13.1 Unrecognized
Dispute amount
$16.55
Win probability
71%
Solid win odds and ample ratio headroom — worth fighting even on a small dispute amount.
Beacon Studio
13.1 Product Not Received
Dispute amount
$108.17
Win probability
65%
Win odds clear the bar and the merchant has healthy ratio headroom — worth fighting.
Cinder Exchange Inc
13.7 Cancelled Recurring
Dispute amount
$267.11
Win probability
82%
Strong win probability with plenty of ratio headroom — a clear case to fight.
Beacon Industries
10.4 Fraudulent
Dispute amount
$440.88
Win probability
42%
Merchant is well above the 1.5% VAMP line, where each loss risks acquirer fines, and win odds are low — refunding protects the portfolio ratio.
Coral Works LLC
13.1 Unrecognized
Dispute amount
$53.91
Win probability
55%
Merchant is over the 1.5% VAMP line — at this exposure, accepting a low-odds dispute protects ratio headroom.
Glacier House Inc
13.3 Not as Described
Dispute amount
$80.49
Win probability
38%
Approaching the 1.5% VAMP line with low win odds — refunding avoids a likely loss that would push the ratio higher.
Ember Exchange LLC
12.6 Duplicate Processing
Dispute amount
$152.69
Win probability
52%
Borderline win probability on a high-amount dispute — flagged for human review rather than an automatic decision.
Quantum Labs
13.6 Credit Not Processed
Dispute amount
$194.47
Win probability
48%
Reason code 13.6 requires refund-receipt evidence not present in the transaction record — escalated for ops review of refund-policy adherence.
Stellar Outfitters Inc
13.1 Product Not Received
Dispute amount
$518.11
Win probability
61%
Tracking shows delivery to the building but no signature confirmation — escalated to confirm shipping-evidence completeness before deciding.
Ready to Deploy VAMP-Aware Representment on Your Portfolio?
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