Key Takeaways:
VAMP is an overhaul, not an update; stop trying to interpret it through VDMP/VFMP habits
Acquirer-led enforcement changes everything; merchants still feel the consequences, but the compliance “conversation” shifts downstream through acquirers and PSPs
Many merchants have never looked at TC-40s, and that blind spot can become a breach fast
If your decline rate is consistently under the 20% threshold, you are likely not facing an enumeration issue, but you should still watch for spikes
Compelling Evidence 3.0 can stop a chargeback and prevent the associated TC-40, but only if your data quality and transaction patterns qualify
Changing 45 things at once creates noise, not improvement. Focus, measure, iterate
Meet Our Speakers:
Zak Matthews
Sales Engineering Lead,
Chargebacks911
Episode Summary:
VAMP pushes risk accountability up the chain; acquirers have portfolio thresholds to protect, and that pressure will show up in merchant conversations, approvals, and enforcement. Zak and Kellen explain what merchants should be asking their acquirers and PSPs, why “wait and see” is a bad strategy, and how to prioritize actions that actually reduce risk signals like TC-40s and abnormal declines. The takeaway is simple: get visibility, get a plan, and work with partners who can translate data into decisions before compliance turns into downtime.
