VAMP PROTECTION SOLUTION
What is VAMP?
Visa’s Acquirer Monitoring Program (VAMP) establishes stricter rules around fraud and chargeback thresholds.
- Merchants who exceed these limits may face
penalties, fines, or even termination - Even low-risk businesses can be impacted if they
don’t have the right protections in place - Enforcement begins October 1, 2025, with stricter
thresholds on January 1, 2026
Your role as a partner: so they stay compliant, protect revenue, and avoid costly surprises.
Why Merchants Should Care?
- Financial Impact: High chargeback ratios can trigger fines and increased fees
- Business Risk: Repeated violations may result in losing card acceptance
- Competitive Pressure: Merchants who aren’t prepared may fall behind better-protected competitors
VAMP Program Essentials
Equip your business with the tools, messaging, and resources to guide merchants through Visa’s new compliance requirements
Protect your merchants. Safeguard revenue. Build trust.
VAMP Thresholds & Calculations
Visa’s Acquirer Monitoring Program (VAMP) establishes stricter rules around fraud and chargeback thresholds.
- Dispute Ratio: Penalties begin if disputes exceed 0.3% of sales transactions (example: 3 disputes per 1,000 transactions).
- Fraud Ratio: Fraud activity tracked through TC40 reports; penalties begin if fraud exceeds 0.9% of transactions.
- Portfolio Risk: Acquirers may apply stricter internal limits to protect themselves, which means merchants may be flagged earlier than Visa’s published limits
Tip: Set your own thresholds below Visa’s limits to reduce the risk of unexpected penalties.
How We Helps Protect Merchants
With VAMP Protection Solutions, you can offer merchants a complete toolkit of fraud prevention, chargeback management, and secure payment capabilities.
- 3D Secure (3DS): Authenticate cardholders and reduce fraud.
- Kount Fraud Tools: AI-driven fraud detection pre- and post transaction.
- Network Tokens: Secure, dynamic tokens that lower fraud risk.
- Chargeback911: Post-transaction chargeback management.
- Merchant Relationship Management (MRM) Reporting: Visibility into chargeback data for proactive monitoring.
How NMI Helps Protect Merchants
With VAMP Protection Solutions, you can offer merchants a complete toolkit of fraud prevention, chargeback management, and secure payment capabilities.
Talking Points for Merchant Conversations
Awareness: “VAMP is Visa’s way of cracking down on fraud and chargebacks. It could affect your business even if you’ve never had issues before.”
Reassurance: “We equip you with the right tools to prevent problems before they happen.”
Solution-Oriented: “Our VAMP Protection Solutions helps you reduce fraud, manage chargebacks, and protect your ability to accept cards.”
Call to Action: “Let’s set you up with the tools now so you’re ready before Visa enforces stricter monitoring.”
LOOKING TO PARTNER?
Partner with a full-service payment provider that combines innovative technology with hands-on operational support. We adapt to your unique needs and deliver flexible solutions designed to help your business grow.