The Visa Acquirer Monitoring Program (VAMP) is a unified compliance framework that consolidates card-not-present risk metrics into a single global ratio. VAMP became effective on April 1, 2025, and replaced five different fraud and dispute programs. This program is important for merchants because it requires shared accountability with acquirers. Acquirers must monitor the combined fraud and chargeback levels across their entire portfolios. Acquirers should not exceed Above Standard or Excessive risk classifications within one calendar month. Merchants should not exceed Excessive risk. Going above these limits can result in per-transaction penalties and potentially jeopardize a merchant’s ability to process Visa payments.
Acquirer thresholds:
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Early Warning: 0.4-0.5 percent
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Above Standard: 0.5-0.7 percent
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Excessive: Above 0.7 percent
When an acquirer has a VAMP ratio at or above the Above Standard or Excessive thresholds, they become subject to fines. $4 (USD) per disputed transaction for Above Standard, and $8 (USD) per transaction at or above the Excessive threshold.
Merchant threshold: A 2.2 percent or above VAMP ratio is considered Excessive (lowering to 1.5 percent April 1, 2026).
When a merchant has a VAMP ratio at or above the Excessive threshold, they become subject to a fine of $8 (USD) per transaction.
Merchants are not enrolled in the program if their total number of TC40s + TC15s is under 1500 in a calendar month. If they are above 1500, the VAMP ratio is calculated and determines if a merchant is enrolled into the program.
Equifax has built a VAMP calculator tool as a part of our Chargeback Management product to help you calculate and monitor your VAMP score. For more information, go to Visa Acquirer Monitoring Program Calculator.
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