[{"data":1,"prerenderedAt":1082},["ShallowReactive",2],{"\u002Fknowledge-centre\u002Fscheme-compliance\u002Funderstanding-visas-new-vamp-thresholds-and-what-they-mean-for-merchants":3},{"id":4,"title":5,"body":6,"coverImage":1071,"description":1072,"extension":1073,"meta":1074,"navigation":1075,"path":1076,"publishedAt":1077,"readingTime":1078,"seo":1079,"stem":1080,"__hash__":1081},"knowledgeCentre\u002Fknowledge-centre\u002Fscheme-compliance\u002Funderstanding-visas-new-vamp-thresholds-and-what-they-mean-for-merchants.md","Understanding Visa's New VAMP Thresholds and What They Mean for Merchants",{"type":7,"value":8,"toc":1045},"minimark",[9,52,153,179,230,298,367,574,667,757,797,846,894,953],[10,11,12,21,28,34,40,46],"article-section",{},[13,14,16],"h2",{"id":15},"executive-summary",[17,18,20],"app-reveal-down",{":delay":19},"0.1"," Executive Summary ",[17,22,24],{":delay":23},"0.2",[25,26,27],"p",{},"The payments industry is constantly evolving to balance two important objectives: protecting consumers from fraud while ensuring merchants can process payments efficiently.",[17,29,31],{":delay":30},"0.25",[25,32,33],{},"As e-commerce has grown, so too have fraud, friendly fraud, and payment disputes. Visa has responded by modernising how it monitors the health of the payment ecosystem through its Visa Acquirer Monitoring Program (VAMP).",[17,35,37],{":delay":36},"0.3",[25,38,39],{},"One of the most significant recent developments is the introduction of updated monitoring thresholds. These changes encourage merchants and acquiring banks to adopt a more proactive approach to fraud prevention, dispute management, and customer communication.",[17,41,43],{":delay":42},"0.35",[25,44,45],{},"For merchants, these thresholds are more than compliance metrics. They directly influence acquiring relationships, payment costs, operational risk, and, in extreme cases, the ability to continue accepting Visa card payments.",[17,47,49],{":delay":48},"0.4",[25,50,51],{},"This guide explains what the updated VAMP thresholds mean, why Visa introduced them, how merchants should prepare, and the practical steps businesses can take to maintain healthy payment performance.",[10,53,54,60,65,102,131,136],{},[13,55,57],{"id":56},"why-visa-updated-the-programme",[17,58,59],{":delay":19}," Why Visa Updated the Programme ",[17,61,62],{":delay":23},[25,63,64],{},"The payments landscape today looks very different from ten years ago.",[17,66,67],{":delay":30},[68,69,70,77],"article-ul-wrapper",{},[71,72,74],"template",{"v-slot:title":73},"",[25,75,76],{},"Consumers increasingly purchase:",[78,79,80,84,87,90,93,96,99],"ul",{},[81,82,83],"li",{},"Subscription services",[81,85,86],{},"Streaming platforms",[81,88,89],{},"Software",[81,91,92],{},"Digital products",[81,94,95],{},"Travel services",[81,97,98],{},"Online education",[81,100,101],{},"Marketplace goods",[17,103,104,128],{":delay":36},[68,105,106,111],{},[71,107,108],{"v-slot:title":73},[25,109,110],{},"At the same time:",[78,112,113,116,119,122,125],{},[81,114,115],{},"Card-not-present fraud has increased.",[81,117,118],{},"Friendly fraud has grown significantly.",[81,120,121],{},"Cross-border payments have expanded.",[81,123,124],{},"Digital wallets have become mainstream.",[81,126,127],{},"Customers expect immediate dispute resolution.",[25,129,130],{},"Traditional monitoring programmes focused largely on chargeback volumes.",[17,132,133],{":delay":42},[25,134,135],{},"Visa's updated approach recognises that merchants need to manage the entire payment lifecycle rather than responding only after disputes occur.",[17,137,138],{":delay":48},[139,140,141,147,150],"blockquote",{},[25,142,143],{},[144,145,146],"strong",{},"Merchant Insight",[25,148,149],{},"Visa's objective isn't simply to reduce chargebacks.",[25,151,152],{},"Its broader goal is to improve trust across the payment ecosystem by encouraging merchants, issuers, and acquirers to work together to resolve problems earlier.",[10,154,155,161,166,171],{},[13,156,158],{"id":157},"what-are-vamp-thresholds",[17,159,160],{":delay":19}," What Are VAMP Thresholds? ",[17,162,163],{":delay":23},[25,164,165],{},"A threshold is a performance level established by Visa to identify merchants or acquiring portfolios that may require additional monitoring or corrective action.",[17,167,168],{":delay":30},[25,169,170],{},"These thresholds are designed to identify businesses experiencing unusually high levels of fraud or disputes compared to expected payment activity.",[17,172,173,176],{":delay":36},[25,174,175],{},"When performance exceeds established programme limits, acquiring banks may work with merchants to identify the underlying causes and implement improvements.",[25,177,178],{},"Depending on the circumstances, merchants may also become subject to additional monitoring or programme requirements.",[10,180,181,187,195],{},[13,182,184],{"id":183},"why-thresholds-exist",[17,185,186],{":delay":19}," Why Thresholds Exist ",[17,188,189,192],{":delay":23},[25,190,191],{},"Visa processes billions of transactions every year.",[25,193,194],{},"Most are completed successfully.",[17,196,197,227],{":delay":30},[68,198,199,204],{},[71,200,201],{"v-slot:title":73},[25,202,203],{},"However, consistently high levels of fraud or disputes may indicate underlying issues such as:",[78,205,206,209,212,215,218,221,224],{},[81,207,208],{},"Weak fraud controls",[81,210,211],{},"Poor customer communication",[81,213,214],{},"Confusing billing descriptors",[81,216,217],{},"Subscription misunderstandings",[81,219,220],{},"Operational errors",[81,222,223],{},"Delayed customer support",[81,225,226],{},"High levels of friendly fraud",[25,228,229],{},"Monitoring thresholds help identify these issues before they become more serious.",[10,231,232,238,246,281],{},[13,233,235],{"id":234},"how-thresholds-affect-merchants",[17,236,237],{":delay":19}," How Thresholds Affect Merchants ",[17,239,240,243],{":delay":23},[25,241,242],{},"Many merchants mistakenly believe monitoring programmes only concern their acquiring bank.",[25,244,245],{},"In reality, merchant performance directly affects the acquiring institution's overall portfolio.",[17,247,248,278],{":delay":30},[68,249,250,255],{},[71,251,252],{"v-slot:title":73},[25,253,254],{},"Poor merchant performance may lead to:",[78,256,257,260,263,266,269,272,275],{},[81,258,259],{},"Increased operational reviews",[81,261,262],{},"Requests for improvement plans",[81,264,265],{},"Higher processing costs",[81,267,268],{},"Additional financial reserves",[81,270,271],{},"Closer monitoring",[81,273,274],{},"Restrictions on new merchant accounts",[81,276,277],{},"Increased underwriting requirements",[25,279,280],{},"Healthy performance gives merchants greater flexibility and stronger relationships with payment partners.",[17,282,283],{":delay":36},[139,284,285,289,292,295],{},[25,286,287],{},[144,288,146],{},[25,290,291],{},"The best merchants rarely think about thresholds.",[25,293,294],{},"Instead, they focus on creating excellent customer experiences.",[25,296,297],{},"Healthy fraud and dispute ratios are usually the result — not the objective — of good business practices.",[10,299,300,306,311,316,345,350],{},[13,301,303],{"id":302},"what-does-the-new-threshold-mean",[17,304,305],{":delay":19}," What Does the New Threshold Mean? ",[17,307,308],{":delay":23},[25,309,310],{},"Visa periodically updates programme thresholds to reflect changes in payment behaviour and industry risk.",[17,312,313],{":delay":30},[25,314,315],{},"The introduction of lower thresholds signals Visa's expectation that merchants should increasingly rely on modern prevention tools rather than accepting high dispute levels as a normal cost of doing business.",[17,317,318,342],{":delay":36},[68,319,320,325],{},[71,321,322],{"v-slot:title":73},[25,323,324],{},"This reflects several industry trends:",[78,326,327,330,333,336,339],{},[81,328,329],{},"Improved fraud detection.",[81,331,332],{},"Better customer authentication.",[81,334,335],{},"Greater transaction transparency.",[81,337,338],{},"Earlier dispute resolution.",[81,340,341],{},"Stronger collaboration between merchants and issuers.",[25,343,344],{},"Merchants should therefore expect continued emphasis on prevention rather than recovery.",[17,346,347],{":delay":42},[25,348,349],{},"Important Note: Visa periodically updates programme rules, thresholds, and calculation methodologies. Merchants should always confirm the current requirements with their acquiring bank or payment provider, as the applicable thresholds and implementation timelines may change over time.",[17,351,352],{":delay":48},[139,353,354,358,361,364],{},[25,355,356],{},[144,357,146],{},[25,359,360],{},"Don't manage your business to stay just below a threshold.",[25,362,363],{},"Manage it to create the lowest sustainable dispute rate possible.",[25,365,366],{},"That approach delivers better customer relationships and reduces operational costs regardless of where Visa sets future programme limits.",[10,368,369,375,380,387,416,423,455,461,469,476,481,487,492,498,503,510,515,522,527,534,539,545],{},[13,370,372],{"id":371},"the-four-pillars-of-healthy-vamp-performance",[17,373,374],{":delay":19}," The Four Pillars of Healthy VAMP Performance ",[17,376,377],{":delay":23},[25,378,379],{},"Merchants that consistently perform well usually excel in four key areas.",[381,382,384],"h3",{"id":383},"_1-fraud-prevention",[17,385,386],{":delay":19}," 1. Fraud Prevention ",[17,388,389,413],{":delay":23},[68,390,391,396],{},[71,392,393],{"v-slot:title":73},[25,394,395],{},"Invest in:",[78,397,398,401,404,407,410],{},[81,399,400],{},"Risk scoring",[81,402,403],{},"Device intelligence",[81,405,406],{},"Behavioural analytics",[81,408,409],{},"Strong Customer Authentication (where applicable)",[81,411,412],{},"Velocity controls",[25,414,415],{},"The objective is preventing unauthorised transactions before payment approval.",[381,417,419],{"id":418},"_2-customer-experience",[17,420,422],{":delay":421},"0.15"," 2. Customer Experience ",[17,424,425,452],{":delay":30},[68,426,427,432],{},[71,428,429],{"v-slot:title":73},[25,430,431],{},"Customers should clearly understand:",[78,433,434,437,440,443,446,449],{},[81,435,436],{},"What they purchased",[81,438,439],{},"What they paid",[81,441,442],{},"When they will receive it",[81,444,445],{},"How subscriptions renew",[81,447,448],{},"How to request support",[81,450,451],{},"How to obtain refunds",[25,453,454],{},"Clear communication significantly reduces unnecessary disputes.",[381,456,458],{"id":457},"_3-dispute-prevention",[17,459,460],{":delay":23}," 3. Dispute Prevention ",[17,462,463,466],{":delay":30},[25,464,465],{},"Modern solutions reduce disputes before they become chargebacks.",[25,467,468],{},"Examples include:",[470,471,473],"h4",{"id":472},"order-insight",[17,474,475],{":delay":36}," Order Insight ",[17,477,478],{":delay":36},[25,479,480],{},"helps customers recognise purchases.",[470,482,484],{"id":483},"customer-clarity",[17,485,486],{":delay":42}," Customer Clarity ",[17,488,489],{":delay":42},[25,490,491],{},"improves transaction transparency.",[470,493,495],{"id":494},"verifi-inform",[17,496,497],{":delay":48}," Verifi Inform ",[17,499,500],{":delay":48},[25,501,502],{},"provides richer transaction information to participating issuers.",[470,504,506],{"id":505},"verifi-cdrn",[17,507,509],{":delay":508},"0.45"," Verifi CDRN ",[17,511,512],{":delay":508},[25,513,514],{},"allows merchants to resolve eligible disputes earlier.",[470,516,518],{"id":517},"ethoca-alerts",[17,519,521],{":delay":520},"0.5"," Ethoca Alerts ",[17,523,524],{":delay":520},[25,525,526],{},"provides early dispute notifications through participating issuers.",[470,528,530],{"id":529},"rapid-dispute-resolution-rdr",[17,531,533],{":delay":532},"0.55"," Rapid Dispute Resolution (RDR) ",[17,535,536],{":delay":532},[25,537,538],{},"automatically resolves qualifying disputes using merchant-defined rules.",[381,540,542],{"id":541},"_4-recovery",[17,543,544],{":delay":19}," 4. Recovery ",[17,546,547,571],{":delay":23},[68,548,549,554],{},[71,550,551],{"v-slot:title":73},[25,552,553],{},"When disputes cannot be prevented:",[78,555,556,559,562,565,568],{},[81,557,558],{},"Collect strong evidence.",[81,560,561],{},"Review dispute reason codes.",[81,563,564],{},"Use Visa Compelling Evidence 3.0 where applicable.",[81,566,567],{},"Challenge disputes selectively.",[81,569,570],{},"Learn from outcomes.",[25,572,573],{},"Recovery should always support — not replace — prevention.",[10,575,576,582,587,593,598,604,609,615,620,626,631,637,642,648,653],{},[13,577,579],{"id":578},"measuring-your-own-performance",[17,580,581],{":delay":19}," Measuring Your Own Performance ",[17,583,584],{":delay":23},[25,585,586],{},"Even if your acquirer does not require formal reporting, merchants should monitor:",[470,588,590],{"id":589},"chargeback-ratio",[17,591,592],{":delay":19}," Chargeback Ratio ",[17,594,595],{":delay":23},[25,596,597],{},"How many disputes occur compared with transaction volume.",[470,599,601],{"id":600},"fraud-rate",[17,602,603],{":delay":421}," Fraud Rate ",[17,605,606],{":delay":30},[25,607,608],{},"Unauthorised payment activity.",[470,610,612],{"id":611},"refund-rate",[17,613,614],{":delay":23}," Refund Rate ",[17,616,617],{":delay":36},[25,618,619],{},"High refund rates may reveal operational issues.",[470,621,623],{"id":622},"customer-support-response-times",[17,624,625],{":delay":30}," Customer Support Response Times ",[17,627,628],{":delay":42},[25,629,630],{},"Delayed responses often correlate with increased disputes.",[470,632,634],{"id":633},"subscription-cancellations",[17,635,636],{":delay":36}," Subscription Cancellations ",[17,638,639],{":delay":48},[25,640,641],{},"Poor cancellation experiences frequently lead to friendly fraud.",[470,643,645],{"id":644},"repeat-customer-disputes",[17,646,647],{":delay":42}," Repeat Customer Disputes ",[17,649,650],{":delay":508},[25,651,652],{},"Patterns often reveal opportunities for improvement.",[17,654,655],{":delay":48},[139,656,657,661,664],{},[25,658,659],{},[144,660,146],{},[25,662,663],{},"Data is only valuable if it leads to action.",[25,665,666],{},"The most successful merchants review trends regularly and investigate the reasons behind changes, rather than focusing solely on the numbers.",[10,668,669,675,709,752],{},[13,670,672],{"id":671},"example-two-merchants",[17,673,674],{":delay":19}," Example: Two Merchants ",[17,676,677,706],{":delay":23},[68,678,679,686],{},[71,680,681],{"v-slot:title":73},[25,682,683],{},[144,684,685],{},"Merchant A",[78,687,688,691,694,697,700,703],{},[81,689,690],{},"High dispute volume.",[81,692,693],{},"Slow customer service.",[81,695,696],{},"Confusing billing descriptor.",[81,698,699],{},"No subscription reminders.",[81,701,702],{},"Limited fraud tools.",[81,704,705],{},"Manual dispute handling.",[25,707,708],{},"Result: higher operational costs and increased monitoring risk.",[17,710,711,749],{":delay":30},[68,712,713,720],{},[71,714,715],{"v-slot:title":73},[25,716,717],{},[144,718,719],{},"Merchant B",[78,721,722,725,728,731,734,737,740,743,746],{},[81,723,724],{},"Clear billing descriptor.",[81,726,727],{},"Fast customer support.",[81,729,730],{},"Subscription reminder emails.",[81,732,733],{},"Order Insight.",[81,735,736],{},"Inform.",[81,738,739],{},"CDRN.",[81,741,742],{},"RDR.",[81,744,745],{},"Strong fraud controls.",[81,747,748],{},"Monthly performance reviews.",[25,750,751],{},"Result: lower dispute rates, stronger customer satisfaction, healthier acquiring relationships, and better long-term profitability.",[17,753,754],{":delay":36},[25,755,756],{},"The difference is not one technology — it is the combination of good processes and smart tools.",[10,758,759,765],{},[13,760,762],{"id":761},"common-mistakes",[17,763,764],{":delay":19}," Common Mistakes ",[17,766,767,794],{":delay":23},[68,768,769,774],{},[71,770,771],{"v-slot:title":73},[25,772,773],{},"Businesses often create unnecessary risk by:",[78,775,776,779,782,785,788,791],{},[81,777,778],{},"Waiting for the acquirer to report problems.",[81,780,781],{},"Ignoring dispute trends.",[81,783,784],{},"Treating fraud and customer service separately.",[81,786,787],{},"Delaying refunds unnecessarily.",[81,789,790],{},"Challenging every chargeback regardless of evidence.",[81,792,793],{},"Viewing VAMP purely as a compliance exercise.",[25,795,796],{},"Successful merchants treat payment health as an ongoing operational priority.",[10,798,799,805],{},[13,800,802],{"id":801},"best-practices",[17,803,804],{":delay":19}," Best Practices ",[17,806,807],{":delay":23},[68,808,809,814],{},[71,810,811],{"v-slot:title":73},[25,812,813],{},"Successful merchants typically:",[78,815,816,819,822,825,828,831,834,837,840,843],{},[81,817,818],{},"Monitor fraud and dispute trends weekly.",[81,820,821],{},"Review performance by Merchant ID.",[81,823,824],{},"Analyse customer complaints.",[81,826,827],{},"Keep billing descriptors clear.",[81,829,830],{},"Send order confirmations immediately.",[81,832,833],{},"Notify customers before subscription renewals.",[81,835,836],{},"Maintain excellent customer support.",[81,838,839],{},"Implement dispute prevention technologies.",[81,841,842],{},"Work closely with acquiring partners.",[81,844,845],{},"Continuously improve internal processes.",[10,847,848,854,859],{},[13,849,851],{"id":850},"looking-ahead",[17,852,853],{":delay":19}," Looking Ahead ",[17,855,856],{":delay":23},[25,857,858],{},"Visa's direction is clear.",[17,860,861,891],{":delay":30},[68,862,863,868],{},[71,864,865],{"v-slot:title":73},[25,866,867],{},"Future payment ecosystems are likely to place greater emphasis on:",[78,869,870,873,876,879,882,885,888],{},[81,871,872],{},"Artificial intelligence.",[81,874,875],{},"Behavioural analytics.",[81,877,878],{},"Digital identity.",[81,880,881],{},"Network tokenisation.",[81,883,884],{},"Real-time transaction visibility.",[81,886,887],{},"Automated dispute prevention.",[81,889,890],{},"Collaboration between issuers and merchants.",[25,892,893],{},"Merchants who invest today in prevention, transparency, and operational excellence will be well positioned for future programme developments.",[10,895,896,902,913,923,933,943],{},[13,897,899],{"id":898},"frequently-asked-questions",[17,900,901],{":delay":19}," Frequently Asked Questions ",[17,903,904],{":delay":23},[25,905,906,909,912],{},[144,907,908],{},"Does the new VAMP threshold mean more merchants will be monitored?",[910,911],"br",{},"\nPotentially. Lower thresholds may bring additional merchants into closer review, depending on their fraud and dispute performance. The exact impact depends on Visa's current programme rules and each merchant's acquiring relationship.",[17,914,915],{":delay":30},[25,916,917,920,922],{},[144,918,919],{},"Should merchants wait until they receive a warning?",[910,921],{},"\nNo. The best approach is to monitor payment performance continuously and address trends before they become significant.",[17,924,925],{":delay":36},[25,926,927,930,932],{},[144,928,929],{},"Is friendly fraud becoming more important?",[910,931],{},"\nYes. Friendly fraud continues to be one of the fastest-growing drivers of payment disputes, making customer communication and dispute prevention increasingly important.",[17,934,935],{":delay":42},[25,936,937,940,942],{},[144,938,939],{},"Which technology delivers the greatest benefit?",[910,941],{},"\nThere is no single solution. The strongest merchants typically combine fraud prevention, Order Insight, Inform, CDRN, Ethoca Alerts, Rapid Dispute Resolution, CE 3.0, and excellent customer service.",[17,944,945],{":delay":48},[25,946,947,950,952],{},[144,948,949],{},"Will Visa continue updating VAMP?",[910,951],{},"\nAlmost certainly. As payment technology evolves, merchants should expect programme rules and guidance to continue developing.",[10,954,955,961,983,989,1017,1023],{},[13,956,958],{"id":957},"key-takeaways",[17,959,960],{":delay":19}," Key Takeaways ",[17,962,963],{":delay":23},[78,964,965,968,971,974,977,980],{},[81,966,967],{},"Visa's updated VAMP thresholds encourage merchants to adopt a proactive approach to payment health.",[81,969,970],{},"Fraud prevention, customer experience, dispute prevention, and recovery all contribute to long-term success.",[81,972,973],{},"Lower dispute ratios are achieved through better business processes, not just better technology.",[81,975,976],{},"Modern dispute prevention solutions help merchants resolve customer concerns earlier.",[81,978,979],{},"Continuous monitoring is essential for maintaining healthy acquiring relationships.",[81,981,982],{},"Merchants that focus on operational excellence are best positioned for future changes in the payments industry.",[381,984,986],{"id":985},"related-products",[17,987,988],{":delay":30}," Related Products ",[17,990,991],{":delay":30},[78,992,993,996,999,1002,1005,1008,1011,1014],{},[81,994,995],{},"Order Insight",[81,997,998],{},"Customer Clarity",[81,1000,1001],{},"Verifi Inform",[81,1003,1004],{},"Verifi CDRN",[81,1006,1007],{},"Ethoca Alerts",[81,1009,1010],{},"Rapid Dispute Resolution (RDR)",[81,1012,1013],{},"Visa Compelling Evidence 3.0",[81,1015,1016],{},"Chargeback Recovery Services",[381,1018,1020],{"id":1019},"related-guides",[17,1021,1022],{":delay":36}," Related Guides ",[17,1024,1025],{":delay":36},[78,1026,1027,1030,1033,1036,1039,1042],{},[81,1028,1029],{},"Visa Acquirer Monitoring Program (VAMP): Frequently Asked Questions",[81,1031,1032],{},"The Complete Guide to Chargeback Management for E-commerce",[81,1034,1035],{},"Winning the Chargeback Fight: A Practical Guide to Representment",[81,1037,1038],{},"Verifi Order Insight: Reducing Chargebacks Through Better Transaction Visibility",[81,1040,1041],{},"Visa Compelling Evidence 3.0 Explained",[81,1043,1044],{},"How to Prevent Friendly Fraud: 15 Proven Strategies for Merchants",{"title":73,"searchDepth":1046,"depth":1046,"links":1047},2,[1048,1049,1050,1051,1052,1053,1054,1061,1062,1063,1064,1065,1066,1067],{"id":15,"depth":1046,"text":20},{"id":56,"depth":1046,"text":59},{"id":157,"depth":1046,"text":160},{"id":183,"depth":1046,"text":186},{"id":234,"depth":1046,"text":237},{"id":302,"depth":1046,"text":305},{"id":371,"depth":1046,"text":374,"children":1055},[1056,1058,1059,1060],{"id":383,"depth":1057,"text":386},3,{"id":418,"depth":1057,"text":422},{"id":457,"depth":1057,"text":460},{"id":541,"depth":1057,"text":544},{"id":578,"depth":1046,"text":581},{"id":671,"depth":1046,"text":674},{"id":761,"depth":1046,"text":764},{"id":801,"depth":1046,"text":804},{"id":850,"depth":1046,"text":853},{"id":898,"depth":1046,"text":901},{"id":957,"depth":1046,"text":960,"children":1068},[1069,1070],{"id":985,"depth":1057,"text":988},{"id":1019,"depth":1057,"text":1022},"\u002Fassets\u002Farticles\u002Fvamp-thresholds.jpg","Understand Visa’s new VAMP thresholds and what they mean for merchants, acquirers, fraud ratios, and dispute performance.","md",{},true,"\u002Fknowledge-centre\u002Fscheme-compliance\u002Funderstanding-visas-new-vamp-thresholds-and-what-they-mean-for-merchants","Aug 6, 2026","10",{"title":5,"description":1072},"knowledge-centre\u002Fscheme-compliance\u002Funderstanding-visas-new-vamp-thresholds-and-what-they-mean-for-merchants","BBHroVgbrgMb47qR9jOI104rqQOjYxC7eSRiH4iEpB4",1788352125358]