Introduction to Visa Merchant Purchase Inquiry (VMPI)

As a merchant, decreasing the number of chargebacks and receiving notifications for potentially fraudulent purchases are fundamental parts of a successful business.

When a customer files a dispute over a transaction, for instance, the issuer can use a tool called Visa Merchant Purchase Inquiry (VMPI) to help resolve the conflict as quickly as possible. This not only ensures better business practices but also increased customer satisfaction.

If a merchant is using the VMPI tool, then they can access Visa Resolve Online (VROL) to first identify details about the disputed transaction. The tool would then send the merchant data so that they could locate the transaction within their own database.

After successfully identifying the transaction and pulling key information from the database, the merchant can then respond close to real-time back to VROL. Visa would then share the detailed information with the issuer, who may then use it to effectively find a solution with the cardholder.

Emphasizing the need to use the VMPI tool is a study from 2015. Visa calculated that over 2.6 million chargebacks were initiated by cardholders, and the main culprit of these chargebacks is that the cardholders did not recognize their transactions. It should also be noted that 20 per cent of these chargebacks were related to digital goods, which include movie downloads, music, and purchases made by mobile applications.

The cost of these disputes can be expensive and negatively affect a business’s bottom line. Therefore, merchants should have the means to prevent disputes from happening in the first place should a cardholder not recognize a transaction.

Merchants can easily sign up for VMPI and take their businesses to the next level. The first step would be to complete Visa’s questionnaire form, and merchants should be prepared with information such as their business’s name, address, as well as their merchant identification number.

The next step would be to have one’s Visa-issued Cardholder Acceptance Identification Number ready at hand. By contacting their payment processor, merchants can easily receive this number if they do not already have it. Merchants should also get their acquirer’s Bank Identification Number from their payment processor.

Once the aforementioned information is gathered by the merchant and the application is approved by Visa, then the VMPI facilitator would then connect the merchant’s CRM to the VMPI engine.

Before the merchant’s account goes live, Visa would check to make sure that both the data transfer process and account connectivity are working properly.

The ability to resolve transaction disputes through VMPI is useful for any business. At Merchant Broker, our team of experts can both help businesses with the process of setting up VMPI, as well as provide game-changing information about credit card processing rates. Monthly bills, for instance, can be reduced by 5 per cent to 45 per cent through our innovative system that is easy to use, concise, and clear.

To contact our team and take your business to the next level, give us a call at 1-888-668-0733 or send an email via


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