What is Visa’s VAMP and which programs did it replace?
VAMP is the Visa Acquirer Monitoring Program. Its current version took effect on April 1, 2025 and consolidated Visa’s earlier programs, including the Visa Dispute Monitoring Program (VDMP) and the Visa Fraud Monitoring Program (VFMP). It combines fraud reports and disputes in one ratio, measured for each merchant and for each acquirer’s whole portfolio.
In detail
VAMP, the Visa Acquirer Monitoring Program, is Visa’s single program for fraud and dispute monitoring. The current version started on April 1, 2025, after an announcement in 2024, with an advisory period until September 30, 2025.
What it replaced
Visa consolidated its earlier programs into VAMP, including the Visa Dispute Monitoring Program (VDMP), the Visa Fraud Monitoring Program (VFMP) and the former acquirer program.
How it measures
- Ratio: fraud reports (TC40) plus disputes (TC15), divided by settled transactions, on card-not-present payments.
- Merchant threshold: 1.5% since April 1, 2026 in Europe, the US, Canada and Asia-Pacific, with at least 1,500 fraud reports and disputes in the month.
- Acquirer thresholds: 0.5% for "Above Standard" and 0.7% for "Excessive", on the whole portfolio.
- Enumeration: a separate criterion for card-testing attacks.
The main change is the acquirer-level view. An acquirer, and the PSPs and PayFacs behind it, can be identified because of many merchants that are each below the merchant threshold.
See card scheme monitoring programs for the comparison with Mastercard. Operators follow these ratios in platform supervision tools and reduce disputes with pre-chargeback alerts.