Visa Acquirer Monitoring Program (VAMP)

Visa launched VAMP on April 1, 2025, replacing its separate dispute and fraud monitoring programs (VDMP and VFMP) with one global program. It counts fraud reports (TC40) and disputes (TC15) against the merchant’s settled transactions each month. A transaction reported as fraud and also disputed counts twice, and early fraud warnings count even if the payment was refunded.

From April 1, 2026, the merchant Excessive level is a VAMP ratio of 1.5% with at least 1,500 counted items in most regions (Asia Pacific, Canada, Europe, the US, Latin America and the Caribbean). In CEMEA it is 2.2%, with at least 150 items and USD 75,000. Identified merchants face fees passed on by their acquirer, and acquirers watch their whole portfolio, so processors may act before a merchant reaches these levels.

For subscriptions, the best levers are fewer surprise renewals, refunds or cancellations before a dispute is filed, and fast action on early fraud warnings. Visa can change these rules, so check the current thresholds with your processor.