Visa’s VAMP Program: Why 3D-Secure is now essential for PSPs

Visa's 2025 Acquirer Monitoring Program (VAMP) introduces significant changes to payment fraud monitoring by consolidating various regional programs into a unified global system, thereby increasing compliance pressures on Payment Service Providers (PSPs). The key elements of VAMP include the introduction of a consolidated VAMP ratio that tracks both fraud and disputes for card-not-present transactions, as well as a new enumeration tracking system to monitor card testing attacks. These changes necessitate a shift in fraud management strategies, rendering traditional dispute resolution methods less effective and emphasizing proactive measures like 3D-Secure (3DS) for fraud prevention and liability shift. Implementing 3DS 2.x is crucial, as it provides enhanced data exchange for risk assessment and shifts liability for fraud chargebacks from merchants to issuing banks. The program's enforcement timeline spans from an advisory period in 2025 to stricter thresholds in 2026, compelling PSPs to adopt robust fraud prevention infrastructure to remain compliant and competitive, particularly in high-risk merchant segments. The evolving regulatory landscape underscores the necessity for PSPs to move from reactive to preventive approaches in managing disputes, with 3D-Secure becoming a pivotal component of compliance and competitive strategy.

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