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Stay Ahead of Chargebacks

Protect your business from Visa VAMP fines with PayDiverse’s VAMP Chargeback Mitigation Tool.

What is VAMP?

Visa’s VAMP program is designed to flag merchants with excessive fraud—especially friendly fraud. While chargebacks used to be the biggest red flag, merchants are now being tracked on a deeper level using data like TC40 + TC05 counts. That means your account can be terminated even if your chargeback rate is ‘under control’.

How VAMP Ratio is Calculated

Reported fraudulent transactions + Total disputes

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Total settled transactions

VAMP Threshold Examples

If you’re running multiple MIDs or processing high volumes, you may exceed the limit without realizing it.

Increased Minimum Count

The minimum count of fraud and disputes for program entry will rise from 1,000 to 1,500 monthly, with TC 40 fraud and TC 15 disputes (Categories 10, 11, 12, and 13) for most regions.

Why Choose Our VAMP Tool?

Proactive Monitoring
Track chargeback rates and TC40 fraud in real-time across your entire portfolio with detailed alerts and risk indicators.
Multi-Layered Defense
Utilize Visa RDR, Ethoca, CDRN, and Order Insight to deflect and resolve disputes before they become chargebacks.
Seamless Integration
Connect effortlessly via API, SFTP, or direct processor link. Fast onboarding with minimal IT resources required.

How It Works

  • Risk Identification
    Our tool continuously monitors transaction activity, dispute counts, and fraud signals to identify VAMP exposure early.

  • Real-Time Defense
    Deflect chargebacks in real-time using pre-dispute tools that prevent disputes from counting against your VAMP threshold.

  • Transparent Reporting
    Gain access to your VAMP score, mitigation progress, and dispute lifecycle analytics in one unified dashboard.

  • Ongoing Optimization
    Our tool evolves with Visa’s changing rules and thresholds to keep your business protected long-term.

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Simple, Transparent Pricing

Starting at $25/MID per month. Pay only for value-added services:

Platform Access
$25/month per MID – includes full dashboard, analytics, and monitoring tools.

Dispute Deflection
$35/successfully deflected dispute using Order Insight, Consumer Clarity, or CE3 tools.

Interception & Representment
$20–$30 for intercepted disputes (RDR, Ethoca, CDRN) + $10/chargeback representment + 25% of win.

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Frequently Asked Questions

What is the VAMP program?

Visa Acquirer Monitoring Program (VAMP) is the latest fraud and dispute compliance initiative. Merchants exceeding a 1.5% dispute rate may face fines starting October 2025.

Are You at Risk?
If you answer yes to 2 or more, your account could be at risk:

  • Are you using more than one MID?
  • Are you selling digital goods or subscriptions?
  • Do your customers often call their bank before contacting support?
  • Do you get disputes where product/service was delivered?

Book a Call

How does this tool help me stay compliant?

It reduces disputes before they count against your score by using pre-dispute resolution services and flags risky activity in real-time.

Who should use this?

High-risk merchants, ISOs, PSPs, and acquirers looking to reduce dispute fines and improve fraud scores across their portfolios.

What are the fees per monthly count of fraud and disputes?
Fees per monthly count of fraud and disputes will decrease but be assessed on each instance of fraud & dispute – Above Standard from USD 5 to USD 4, Excessive from USD 10 to USD 8, and Merchant Excessive from USD 10 to USD 8 – with no fees for Early Warning. Merchants with five or fewer total fraud/dispute counts will also be excluded from fee calculations.

What to Expect on the Call

  • No pressure sales
  • 15-minute fraud risk review
  • Get a real-time view of fraud signals Visa might already be tracking on you
  • Understand exactly how your business could be impacted by VAMP
Don’t wait for Visa fines to start piling up. Let PayDiverse protect your revenue and reputation today.

Email: [email protected]

Phone: +1 (516) 217-1989