How the Visa Acquirer Monitoring Program Impacts You
Blog post from Basis Theory
Visa’s Acquirer Monitoring Program (VAMP) consolidates former fraud and dispute monitoring processes into a single framework that measures initiated disputes and potentially fraudulent transactions, including TC40 and TC15 reports, against total transaction volume. It applies accountability to both merchants and acquiring banks, with acquirers facing a 50-basis-point threshold and merchants limited to 150 basis points through 2026 before the threshold falls to 90 basis points; exceeding these levels can lead to fees, remediation requirements, or loss of Visa processing privileges. Because acquirers’ portfolio-wide ratios can be affected by individual merchants, they may impose stricter internal limits than Visa’s formal thresholds. VAMP is presented as more stringent than earlier chargeback-focused rules because it counts potential fraud reports that may never become chargebacks and also addresses card-number enumeration. The discussion advises merchants to strengthen independent fraud controls, such as address and CVV verification, real-time detection, and 3-D Secure, while reducing dependence on a single payment service provider through multi-processor payment systems and secure payment-data storage.
No tracked trend matches for this post yet.
Use this post, company, and trend context to find content marketing opportunities, perform competitive analysis, or address product feature gaps via the Plushcap MCP server or the Plushcap API.