2 com a etiqueta "Chargebacks"

Card network dispute and chargeback monitoring, fees, and merchant compliance

July 10, 2026·mike

Bookkeeping for Adult Content Creators: 1099s, Platform Fees, and Chargebacks

Subscription platforms report gross earnings on Form 1099-NEC even though they keep roughly 20% as a platform fee, and adult content businesses see chargeback rates of 3-5% — well above the 1% threshold that triggers card network monitoring — making separate bookkeeping for fees, taxes, and disputes essential from day one.

Visa and Mastercard Just Tightened Chargeback Monitoring Again: What the 2026 VAMP Threshold Cut Means for Merchants

Visa lowered its VAMP excessive-merchant threshold from 2.2% to 1.5% on April 1, 2026, with fines of $8 per flagged transaction, and Mastercard's Excessive Chargeback Program still triggers at 100+ monthly chargebacks — here's how the ratio math catches small merchants off guard and how to bring it back under the line.