Fraudology Podcast with Karisse Hendrick

Visa's VAMP Program: Latest Updates and Merchant Impact

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Jun 3, 2025
Dive into the latest transformations of Visa's Acquiring Monitoring Program (VAMP) that are shaking up the payments landscape. Explore the complexities of new fraud and dispute monitoring structures along with critical changes to chargeback management. Discover expert insights on the controversial Order Insight program and why some remain skeptical about its effectiveness. Learn how merchants can strategize to tackle these changes, optimize their dispute management, and prepare for enforcement in 2025.
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INSIGHT

VAMP Double-Counts Fraud Disputes

  • Visa's new VAMP program double-counts fraud-related disputes as disputes and TC40 reports, increasing the monitoring ratio.
  • This design incentivizes merchants to use Visa's prevention tools to reduce both dispute types.
INSIGHT

TC40 Reports Outnumber Chargebacks

  • TC40 fraud reports can file on both authorized and settled transactions, often leading to more TC40s than chargebacks.
  • This increases the complexity of monitoring and managing fraud ratios under VAMP.
INSIGHT

Acquirers' Thresholds Impact Merchants

  • Although merchant thresholds raised to 2.2%, acquirers' thresholds remain low, causing them to pass on fines to merchants at rates as low as 0.5%.
  • This dynamic means merchants could still face fines despite seemingly higher merchant thresholds.
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