What is VAMP (Visa Acquirer Monitoring Program)?
VAMP, the Visa Acquirer Monitoring Program, is Visa’s program for monitoring fraud and disputes. It combines reported fraud and disputes into a single ratio and applies to acquirers and to the merchants they serve.
How it works
Visa introduced VAMP in 2025 to replace its separate dispute and fraud monitoring programs. Merchants whose ratio passes Visa’s thresholds can face fees and must work with their acquirer on a plan to bring it down. Thresholds change over time, so check the current levels with your acquirer.
Why it matters for high-risk brands
High-risk merchants often run close to these thresholds, and acquirers usually act well before a merchant reaches them.
VAMP (Visa Acquirer Monitoring Program): questions
What does VAMP count?
Fraud reports and disputes, measured against your settled card-not-present transactions.
What happens if a merchant is flagged under VAMP?
The acquirer can be charged fees, which it usually passes on, and will require a plan to lower the ratio. Persistent cases can lead to account closure.