Payments fraud, end to end.
Everything I know about keeping subscription apps out of Mastercard ECM and Visa VAMP — the guides, the interactive tools, the live threshold references, and the Stripe Radar Academy. Built from real operator work that drove one app's chargeback rate from 13% to below 1%.
Start here
core guidesThe 90-day playbook: thresholds, escalation timeline, the five most common chargeback root causes, and when to bring in help.
GuideThe combined fraud-and-dispute ratio, the 1.5% Excessive threshold (since April 2026), exit criteria, and how VAMP differs from ECM.
GuideThe five rule categories that matter, real syntax for each, the Review-mode backtest workflow, and the two rules that always false-positive.
GuideThe chargeback no filter can stop: what first-party misuse is, when to fight vs. refund, the evidence that wins representment, and how to prevent and intercept it.
GuideWhy Stripe blocked a payment "due to a high risk of fraud," how to find the exact reason in the charge outcome, and how to let real customers through without disabling protection.
Interactive tools
free, client-sideEnter monthly fraud, chargebacks, and settled volume — get your VAMP combined ratio, ECM ratio, current tier, and distance from the next threshold. Nothing leaves your browser.
ToolPut a dollar figure on your chargebacks — enter transactions, order value, and chargeback count to see the true monthly and annual cost, plus your VAMP/ECM threshold status. Runs in your browser.
Tool20 operator-validated fraud patterns. Pick one, tune the parameters, copy real Radar syntax — every attribute matches Stripe's published spec.
TemplateStep-by-step guide plus a free .xlsx template with working COUNTIFS/SUMIFS formulas — retention matrix, triangle heatmap, revenue cohorts, and the dispute/involuntary-churn view.
Reference
maintained quarterlyA sourced roundup — global chargeback volume and cost, friendly fraud's share, CNP trends, representment win rates, and subscription-specific figures. Every number cited to its primary source.
ReferenceCurrent VAMP, ECM/ECP/EFM, Amex CMP, Discover, and MATCH thresholds — tiers, exit criteria, effective dates, last-verified timestamp.
ReferenceThe full compliance landscape for subscription apps: the order of escalation, processor-internal thresholds, PayPal Seller Protection, and what to watch monthly.
ReferencePlain-language definitions of ECM, ECP, VAMP, VDMP, VFMP, the MATCH list, dispute interception, friendly fraud, 3DS and more — each linking to the deep guide.
Comparisons
which, whenThresholds, formulas, volume floors, exit criteria — plus three Series A/B/C scenarios showing which program trips first.
CompareRule engine vs ML-first, payment-time vs full lifecycle, deployment, integration depth, pricing. When each is the right call.
CompareThe two dispute-interception networks, alert timing, Verifi RDR automation, and why most subscription apps need both.
Stripe Radar Academy
learn by doingTrack rank, XP, and 20 badges across the generator, story mode, and drill. Suggests your next quest.
AcademyA five-chapter fraud-detective campaign. Diagnose the attack, then prescribe the rule. Boss challenge each chapter.
AcademyFlashcards for the Radar attribute vocabulary, plus a 60-second Speed Drill with combo multipliers and personal bests.
In a monitoring program, or about to be?
The Chargeback Rescue & ECM Exit engagement is a 90-day program: root-cause analysis, Stripe Radar rebuild, 3DS gating, dispute interception, and compliance documents processors accept.
See the engagement →