Lumino Shield helps you monitor fraud prevention activities and protect your business from disputes and chargebacks.
From this dashboard, you can view your VAMP Score, track risk levels, and see a detailed list of alerts and actions automatically handled by Lumino’s fraud-deflection system.
Your VAMP Score
Your VAMP Score reflects your overall payment health.
Metric | Description |
VAMP Rate | The percentage of transactions resulting in disputes or chargebacks. Staying below the 2.2% threshold keeps your account in good standing. |
Risk Score | A number from 0–100 showing your current risk level based on recent disputes and fraud patterns. |
Accepted Transactions | The total number of successful payments processed through Lumino. |
These values update automatically as your payment activity changes.
Recent Alerts & Actions
Below your score summary, you’ll see a list of fraud deflection events. Each represents an automated action taken to prevent or resolve disputes at the network level.
Type | Description |
Order Insights | Shares transaction data via Visa and Mastercard collaboration tools to prevent disputes before they’re filed. |
Chargeback Alerts & Auto Refund | Issues automatic refunds when a network alert is received, avoiding a chargeback. |
RDR & Chargeback Mitigation | Resolves disputes through Rapid Dispute Resolution (RDR) or other network programs. |
Only successful deflections generate a fee, shown on your monthly invoice under the corresponding Fraud Deflect line item.
Tips for Maintaining a Low Risk Score
Keep your VAMP Rate below 2.2% to avoid compliance issues.
Review alerts regularly to identify recurring dispute reasons.
Use clear billing descriptors and refund policies to minimize customer confusion.