VAMP 2026: What Changes on April 1 and Who Will Start Pushing on Merchants
Blog post from Basis Theory
Visa’s Acquirer Monitoring Program (VAMP) is intensifying enforcement against card-not-present fraud and disputes, creating greater compliance pressure for merchants and payment service providers through possible fines, holdbacks, and network removal. VAMP calculates a count-based ratio by dividing combined TC40 fraud reports and TC15 disputes by TC05 settled transactions, meaning numerous low-value incidents can materially affect a merchant’s standing. Beginning April 1, 2026, the excessive merchant threshold for the United States, Canada, and EU will decline from 220 to 150 basis points, although merchants generally must also record at least 1,500 combined fraud and dispute events monthly to enter monitoring. Acquirers face substantially lower portfolio-level thresholds, which may lead them to impose stricter requirements on individual merchants regardless of whether those merchants exceed Visa’s direct threshold. Certain pre-dispute resolutions and fraud reports qualifying for Compelling Evidence 3.0 may be excluded, making timely dispute handling and evidence collection important. Merchants are encouraged to establish recurring reporting on fraud, disputes, settled transactions, and VAMP ratios; segment risk by factors such as region, checkout type, product, customer cohort, and payment method; and use fraud scoring, bot prevention, and pre-dispute tools to identify and reduce emerging risks.
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.