VAMP
Visa Acquirer Monitoring ProgramDisputes & risk
Visa's merchant-monitoring program for fraud and disputes, in force from April 2025 (replacing VDMP and VFMP). Combines TC40 fraud reports and disputes into a single ratio. Above-Standard kicks in at 0.9% combined ratio with 100+ disputes; Excessive at 1.5%. Triggers fees, remediation plans, and MATCH risk.
In practice.
VAMP is the consolidated Visa monitoring program, scoring acquirers and their merchants on combined fraud and dispute performance. The practical consequence of the acquirer-level view: your numbers affect the standing of your acquirer itself, so acquirers act earlier and harder on breaches than they once did. Our chargeback calculator benchmarks you against the current thresholds.
Disputes & risk