Foiling Fraud with VAMP

Understanding Visa’s Acquirer Monitoring Program

In a Nutshell

Visa just changed the game on fraud prevention, and the clock is ticking. In this ChargeForward Replay, experts from Chargebacks911 break down the latest updates to Visa's Acquirer Monitoring Program (VAMP). With stricter fraud metrics, acquirer thresholds, and evolving enforcement deadlines, VAMP is no longer just a compliance box to check. Merchants who don’t get ahead of these changes risk costly penalties—or worse, losing processing privileges. If you're still relying on RDR refunds or outdated fraud filters, it’s time to reassess your entire strategy.

Key Takeaways:

What the new VAMP ratio actually measures (hint: it's more than chargebacks)

Why refunds via RDR no longer reduce your fraud risk score

How acquirer-level thresholds create new pressure on merchants

Why enumeration fraud is now under Visa's microscope

What proactive steps merchants should take before October

The critical role of Compelling Evidence 3.0

Meet Our Speakers:

Justin Clements

Justin Clements

Director of PR & Media Relations,
Chargebacks911

Zak Matthews

Zak Matthews

Sales Engineering Lead,
Chargebacks911

Episode Summary:

VAMP isn’t just a rebrand of Visa’s old monitoring programs—it’s a structural shift in how fraud and risk are calculated and enforced. Justin Clements and Zak Matthews deliver a merchant-first explanation of the new compliance landscape, including how fraud thresholds are now tracked, why relying solely on RDR and alerts can backfire, and how acquirers may enforce stricter limits than Visa itself. Whether you're a high-risk merchant or an enterprise with an indemnification strategy, this discussion gives you the clarity needed to adapt.

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