VAMP (Visa Acquirer Monitoring Program)
VAMP (Visa Acquirer Monitoring Program) is Visa's program that monitors acquirers, and the merchants beneath them, for excessive fraud and dispute activity, consolidating the older VDMP and VFMP monitoring programs.
Stay under thresholdDefinition. VAMP (Visa Acquirer Monitoring Program) is Visa's program that monitors acquirers, and the merchants beneath them, for excessive fraud and dispute activity, consolidating the older VDMP and VFMP monitoring programs.
In plain English
Visa watches how much fraud and how many disputes flow through each acquirer and merchant. VAMP is the scorecard. Cross its thresholds and you move into monitoring, then fines, and eventually the risk of losing card acceptance. For high-risk merchants, staying comfortably under VAMP limits is a core part of keeping your accounts alive.
What happens as you approach VAMP limits
Monitoring
Once fraud or dispute ratios cross program thresholds, your acquirer flags you and the clock starts. You are expected to bring the numbers down quickly.
Fines
Sustained breaches bring escalating fees passed down from the network, on top of the revenue you are already losing to disputes.
Termination
Fail to recover and you risk losing the account entirely, and a termination for cause can land you on the MATCH list, making new accounts hard to get.
Keeping your ratios well under the line
Resub actively manages the inputs that feed VAMP: we fight chargebacks with alerts and representment, keep your chargeback ratio in check, structure rolling reserves, and spread volume across dedicated MIDs so no single account carries too much risk. See how it works or book a call.
VAMP FAQ
What does VAMP measure?
VAMP consolidates Visa's monitoring of fraud and dispute activity at the acquirer and merchant level. In practice it tracks whether your fraud and chargeback ratios stay within acceptable limits.
What triggers VAMP monitoring?
Crossing the program's fraud or dispute ratio thresholds. Exact numbers change over time and by program, so the safe play is to keep ratios well below any published limit.
What happens if I exceed VAMP thresholds?
You enter monitoring, face escalating fines if the breach continues, and ultimately risk account termination and possible MATCH listing.
How do I avoid VAMP problems?
Reduce chargebacks at the source, dispute the illegitimate ones, spread volume across dedicated MIDs, and keep reserves and descriptors clean. Resub manages all of this for high-risk merchants.
Ready to stop getting frozen?
Book 20 minutes with us. We’ll map dedicated, stable MIDs to your store and give you your exact rate — no obligation.
