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Education

Working with an authorized VMPI facilitator allows
merchants to more easily analyze the effectiveness of the Once the dispute becomes a
VMPI process. So far, experts have seen 40 to 54 percent of
Visa disputes prevented from the moment merchants go chargeback, it becomes far more
live with VMPI. It is an excellent tool that helps merchants complicated and expensive for all
prevent fraud and chargebacks proactively. parties involved. This is why Visa
What are the challenges with VMPI? introduced Visa Merchant Purchase

One challenge that arises when onboarding merchants Inquiry (VMPI), which allows issuers
for VMPI is that two crucial pieces of information are
required to enroll the merchant in the VMPI database: the to obtain pertinent information about
merchant's card acceptor ID and the card acceptor BIN. transactions under dispute before

Both are essential to enroll merchants for activating VMPI escalating them.
service. However, merchants often only provide their
account number, but that is not sufficient. Getting that
data often takes time and can delay the onboarding time. Suresh Dakshina is co-founder and president of Chargeback Gurus. A
To overcome this challenge, facilitators can help merchants pioneer in data analytics and industry-specific risk management, he is a
communicate directly with their payment processors to certified ecommerce fraud prevention specialist and Certified Payments
obtain the information necessary to activate VMPI.
professional. He understands first-hand the challenges that business
Another challenge is that the need for real-time owners face, especially when it comes to chargebacks and fraud.
transaction data necessitates connecting with the Contact him at suresh@chargebackgurus.com.
merchant's customer relationship management
(CRM) program. When the inquiry is being made
by the issuer, the merchant needs to be able to
send the requisite information in real time. Some
merchants do not have the resources to provide
real-time connectivity to their CRM. However,
certified third-party developers can facilitate We’re More Than an Authorization
the merchant's CRM integration with a VMPI We’re The Best Solution For You and Your Merchants
platform. The average onboarding time takes two
to three weeks.
What is the future of VMPI?

VMPI may soon be undergoing a branding
change. When it initially launched the program,
Visa expected to continue developing this product
and share it far and wide with merchants. After its RETAIL/POS DEVELOPERS
acquisition of Verifi, Visa realized it was spending
lots of time and resources trying to integrate eCOMMERCE
merchants. Visa didn't offer the necessary support
to onboard every merchant. That is why Visa has
partnered with third-party experts to handle
onboarding for them.
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Visa's VMPI rails and connectivity were also not Plus ePN offers customized, versatile services
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merchants. With its Verifi acquisition, Visa is Through our ePN Partnership, ISOs/MSPs will experience:
transitioning from VMPI to Order Insight, which • No fee, lead distribution
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acquisition, Order Insight has gained momentum, experienced developers
and facilitators will be able to help merchants • FREE brandable marketing materials through our Reseller Support Center
implement Order Insight as well. (800) 296-4810 • eProcessingNetwork.com

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