Payments
VAMP (Visa Acquirer Monitoring Program)
Updated
VAMP is Visa's monthly programme that flags acquirers and merchants whose card-absent fraud reports and disputes exceed a set share of their sales.
Visa merged its earlier fraud and dispute monitoring programmes into VAMP, with new thresholds effective 1 June 2025. The core measure is the VAMP ratio: the count of fraud reports (TC40) plus disputes (TC15) divided by the count of settled card-not-present transactions in the month.
Visa's fact sheet sets the Excessive merchant threshold at 220 basis points (2.2%) with at least 1,500 fraud and dispute reports a month in Asia Pacific, Canada, the EU and the US, reduced to 150 basis points (1.5%) there on 1 April 2026. Latin America uses 150 basis points; CEMEA uses 220 basis points with at least 150 reports and USD 75,000.
The ratio excludes disputes resolved through pre-dispute solutions and fraud reports that qualify for Compelling Evidence 3.0, subject to data timing. Merchants above the threshold must put risk controls in place through their acquirer.
Frequently asked questions
- How is the VAMP ratio calculated?
- Count of fraud reports (TC40) plus disputes (TC15), divided by the count of settled card-not-present transactions (TC05), monthly.
- Do early fraud warnings count toward VAMP?
- Yes. Visa's fraud reports (TC40) are part of the ratio even when no dispute follows, unless they qualify for Compelling Evidence 3.0.