"Visa's new fraud monitoring framework gets its teeth on October 1, 2025, when merchants' acquiring banks are held to a new chargeback and fraud standard and a new fee structure. The Visa Acquirer Monitoring Program replaced two Visa fraud and chargeback programs in April 2025, introducing a combined measure called the VAMP ratio. Visa granted acquiring banks and, indirectly, merchants six months to prepare for VAMP ratio enforcement and its potential fees."
"The VAMP targets acquirers - the banks, processors, and payment facilitators that provide merchants with access to the Visa network. Visa imposes penalties on these acquirers since it contracts with those companies, not merchants directly. For enterprise-level ecommerce or omnichannel retail businesses, this acquirer distinction could matter less than one might think. Acquirers are responsible for their merchant portfolios and are likely to hold them to VAMP standards."
Visa will enforce the Visa Acquirer Monitoring Program (VAMP) starting October 1, 2025, holding acquiring banks to a new combined chargeback-and-fraud standard and fee structure. VAMP replaces two prior Visa programs and measures performance with a VAMP ratio calculated as reported fraud cases (TC40s) plus chargebacks (TC15s) divided by settled Visa transactions. An advisory period runs through September 30, 2025, with phased enforcement through 2026 and potential per-chargeback fees of $10 or more for some acquirers. Visa projects VAMP could enable acquirers to detect four times more fraud and reduce annual losses by over $2.5 billion. Acquirers can impose higher fees, stricter rules, or account terminations on merchants.
Read at Practical Ecommerce
Unable to calculate read time
Collection
[
|
...
]