The Visa Acquirer Monitoring Program (VAMP) officially launched on April 1, 2025. Visa has extended the advisory period to Sept 1, 2025.
The leading VAMP calculator by DisputeHelp makes it easy for acquirers and merchant service providers to monitor ratios and remain compliant. Use our simple calculator to determine your ratio.
Your VAMP Ratio: 0%
How did you do? If your ratio is over 0.3%, you need a solution to help you remain compliant ASAP. Thankfully, we can help! Contact DisputeHelp today for a free VAMP readiness assessment.
Visa’s Acquirer Monitoring Program (VAMP) became effective on April 1, 2025. Visa retired its existing fraud and dispute monitoring programs by merging them into a single, streamlined framework called the Visa Acquirer Monitoring Program (VAMP). This program replaces the Visa Dispute Monitoring Program (VDMP) and Visa Fraud Monitoring Program (VFMP) to enhance risk assessment and compliance for Acquirers and Merchants.
The migration will have a significant impact for acquiring banks and payment service providers. Specifically, VAMP shifts the compliance focus from “outlier management” of individual merchants to what Visa calls a “lifecycle risk management approach”, bringing acquirers and other PSPs into the scope of accountability for fraud and disputes.
The program introduces a combined metric that calculates monthly fraud and dispute levels together against overall transaction volume, at the acquirer level. Specifically, the VAMP ratio is determined by adding the total monthly TC40 fraud notices with TC15 non-fraud disputes generated by an acquirer’s merchant portfolio and dividing by its monthly transaction volume.
Effective April 1, 2025 (Initial Phase):
– No specific Acquirer threshold; merchants exceeding 5% VAMP Ratio flagged.
Effective January 1, 2026 (Updated Standards Enforcement):
– Acceptable Range : VAMP Ratio < 0.3%
– Above Standard : VAMP Ratio 3% – 0.5%
– Excessive : VAMP Ratio ≥ 0.5%
✔ Monitor Merchant Portfolios
Regularly assess VAMP Ratio across all merchants to identify high-risk accounts early.
✔ Strengthen Fraud Prevention Strategies
Implement real-time fraud monitoring and early fraud detection solutions.
✔ Enhance Merchant Oversight
Work closely with merchants to reduce chargeback rates and fraudulent transactions. Provide them with tools and guidance on chargeback prevention best practices.
✔ Mitigate Enumeration Attacks
Deploy transaction velocity monitoring, CAPTCHA implementations, and IP-based risk scoring to block attack attempts.
✔ Improve Dispute Management Processes
Encourage merchants to respond to disputes quickly and effectively, reducing fraud-related chargebacks.
✔ Educate Merchants & Internal Teams
Conduct training programs for risk teams, payment analysts, and merchants on compliance and fraud mitigation.
✔ Leverage Visa’s Reporting Tools
Utilize Visa’s risk dashboards and analytics to track fraud trends and dispute ratios in real-time.
By proactively managing fraud and chargebacks under VAMP, Acquirers can:
✅ Reduce regulatory penalties
✅ Improve merchant relationships
✅ Strengthen overall payment security
✅ Minimize financial and reputational risks
Next Steps:
📌 Review your merchant portfolio for potential high-risk accounts.
📌 Engage with DisputeHelp’s services for risk management support.
📌 Educate internal teams and merchants to ensure compliance before enforcement begins.
By adapting early, Acquirers can navigate VAMP smoothly and maintain a secure, compliant payment ecosystem.
If you’re a merchant, connect with our merchant solution, ChargebackHelp HERE.
If you’re an acquirer or merchant service provider, DisputeHelp can provide you with dispute management for resale to your merchants. If you’re interested in partnering with us, or you have questions about how we can help your merchants prevent disputes, reduce chargebacks and recover revenue, simply leave us a message here and we’ll get back to you right away.
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