Are chargebacks really the biggest threat to a merchant account? Not anymore. In under 10 minutes, Frank breaks down everything business owners need to know about Visa’s new Visa Acquirer Monitoring Program (VAMP)—a major policy shift that’s already impacting how merchants are evaluated. With thresholds tightening and acquiring banks under pressure, over 250,000 merchant accounts are expected to be shut down by the end of 2025. If your business processes credit card payments, this episode is a critical listen.
In this episode, these questions and topics will be covered:
- 01:20 – What the VAMP program is and why it replaces two previous Visa monitoring systems.
- 02:17 – The role of TC40 fraud reports and why they now matter just as much as chargebacks.
- 06:33 – How to calculate your fraud ratio and what the new thresholds mean for businesses.
- 07:22 – The types of merchants most at risk.
- 08:50 – The steps merchants should take to prepare for the new VAMP guidelines and how PayDiverse’s VAMP Monitoring Tool helps merchants stay compliant and avoid penalties.
Don’t wait until Visa flags or fines your account. Start monitoring your fraud metrics now. To learn more about VAMP compliance or to get visibility into TC40 reports, visit the PayDiverse website or connect with Frank Cena for personalized support.
Connect with PayDiverse:
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Website: http://www.paydiverse.com
LinkedIn: https://www.linkedin.com/in/franksena