How to Prepare for VAMP: Merchant Handbook
Don’t be mistaken by the name, VAMP has significant implications for merchants and we’re here to help.
Get the handbookWhy VAMP matters to merchants
Visa’s Acquirer Monitoring Program (VAMP) took effect April 1, 2025. It combines reported fraud (TC40) and disputes (TC15) into a single ratio and counts transactions rather than dollars, which hits card-not-present and recurring-billing merchants hardest.
Merchants above the thresholds face fees and remediation requirements, and acquirers pass that pressure straight down to the merchants in their portfolios. Use this guide to manage your dispute and fraud exposure and stay below the thresholds.
What’s inside
Six practical steps to get your VAMP exposure under control:
- Calculate Your Current VAMP Ratio
- Implement Strong Fraud Prevention and Security Tools
- Use Dispute Mitigation Resolution Tools
- Improve Customer Experience and Security Tools
- Analyze Your Chargeback Reason Codes
- Track Dispute Data & Reconcile Consistently