When a chargeback is filed, Stripe automatically notifies Vantirs via webhook. We immediately begin analyzing the dispute.
Vantirs searches your historical transactions (120-365 days) to find matches based on device fingerprints, IP addresses, and customer IDs. If 2+ matches are found, the dispute is eligible for CE 3.0 liability shift.
For eligible disputes, Vantirs automatically generates a bank-admissible compliance report (PDF) with structured tables, historical transaction matches, and usage audit logs.
Evidence is automatically submitted to Stripe on your behalf. You can also manually review and submit disputes through the dashboard.
Disputes won via CE 3.0 are automatically removed from your VAMP ratio calculation, helping you stay below the 1.5% threshold.
Your dashboard shows:
Track your dispute ratio in real-time against the 1.5% threshold. Visual indicators show when you're approaching the limit, with automatic alerts when exceeded.
View all your disputes in one place with:
Download bank-ready PDF compliance reports for any dispute. Reports include structured tables, historical matches, and usage audit logs formatted for bank OCR scanning.
Automatic CE 3.0 Matching
Searches 12 months of transaction history to find eligible disputes automatically
Forensic Evidence Generation
Creates bank-admissible PDF reports with structured tables and historical matches
Automatic Evidence Submission
Submits evidence to Stripe automatically for eligible disputes (with manual review option)
VAMP Ratio Protection
Monitors your dispute ratio and removes CE 3.0 wins from calculations
Mastercard FPT Support
Special handling for Mastercard First-Party Trust disputes with stricter matching requirements
Historical Transaction Sync
Sync up to 12 months of past transactions for comprehensive CE 3.0 matching
All API requests require your API key in the header:
Authorization: Bearer vant_xxxxxxxxxxxxRetrieve your dispute statistics and metrics:
GET https://vantirs.com/api/dashboard/stats
Authorization: Bearer vant_xxxxxxxxxxxxReturns: Total disputes, recoverable amount, win rate, VAMP ratio
Get all your disputes with compliance scores:
GET https://vantirs.com/api/disputes
Authorization: Bearer vant_xxxxxxxxxxxxReturns: Array of disputes with status, compliance scores, and eligibility
Download the PDF compliance report for a specific dispute:
GET https://vantirs.com/api/disputes/{dispute_id}/pdf
Authorization: Bearer vant_xxxxxxxxxxxxReturns: PDF file with compliance report
Manually submit evidence for a dispute:
POST https://vantirs.com/api/disputes/{dispute_id}/submit
Authorization: Bearer vant_xxxxxxxxxxxx
Content-Type: application/json
{
"custom_context": "Additional context for this dispute"
}Submits evidence to Stripe and returns submission status
Visa's Compelling Evidence 3.0 program allows liability shift for disputes when:
Benefit: Won disputes are removed from your VAMP ratio calculation.
Mastercard's First-Party Trust program has stricter requirements:
The Visa Acquirer Monitoring Program (VAMP) threshold drops to 1.5% on April 1, 2026. Merchants exceeding this threshold face $8 per dispute penalties. CE 3.0 wins help keep your ratio below the threshold.
April 1, 2026 Deadline
VAMP threshold drops to 1.5% (from 2.2%). Start protecting your business now.
CE 3.0 Requirements
Need 2+ historical transactions 120-365 days old with matching fingerprints. Vantirs automatically finds these matches.
Automatic vs Manual
Disputes over $500 are flagged for manual review. You can add custom context before submission.
No Guarantees
While Vantirs identifies eligible disputes and generates evidence, final outcomes are determined by Stripe and card networks.
Need help getting started? View Setup Guide or Security Documentation