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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 + TC15 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 Merchant Fraud Ratio Thresholds

New Visa rules go into effect soon:

Now (Advisory): No fines, monitoring begins

Oct 1, 2025: Enforcement begins at 2.2% fraud ratio

Apr 1, 2026: Drops to 1.5% threshold

(Future: May drop to 0.9%)

Example Merchant

Merchant A

TC40 Fraud

100

TC40 Fraud

4,500

Fraud Ratio

2.22%

Status

⚠️ At Risk Starting Oct 1

Note: Most merchants see fraud ratios double when TC40s are included—even if chargebacks (TC15) remain low.

Why Every Merchant Should Be Concerned

Even if your business only receives a few hundred fraud alerts per month, you’re not automatically safe. Processors now evaluate fraud at the BIN level, and “hot” BINs—those with elevated fraud or dispute activity—can be flagged, throttled, or even shut down.

Here’s why this matters:
Acquiring banks must keep their entire portfolio fraud ratio under 0.30%.

If your MID has a fraud ratio above 0.30%—even if your chargebacks are low—you may be terminated to protect the BIN, well before Visa ever takes action.

Bottom line: It’s not just about staying under Visa’s thresholds anymore. You need to be low-risk for your processor, too.

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.

Why Pre-Dispute Tools Aren’t Enough Under VAMP

Tools like RDR, CDRN, Ethoca, and Order Insight are often referred to as pre-dispute tools. They help resolve disputes before they become chargebacks by issuing quick refunds or sharing transaction details with the cardholder’s bank. These tools are incredibly useful for protecting your chargeback ratio—and you should absolutely be using them.

But here’s the problem:

They do nothing to prevent TC40 fraud reports. And under the new VAMP rules, TC40s count just as much as chargebacks in Visa’s fraud ratio calculation.

That means you could be doing everything right with pre-dispute resolution and still get flagged—or even terminated—if you’re not also preventing fraud complaints at the source.

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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Custom Pricing for Every Merchant

We offer flexible, customized pricing based on your volume, vertical, and risk profile. Whether you’re managing a few hundred disputes or thousands, we’ll tailor a solution that fits your needs.

Platform Access
Gain full access to a comprehensive dashboard with real-time analytics, monitoring tools, and actionable insights to help you stay ahead of chargebacks and fraud.

Dispute Deflection
Utilize advanced tools like Order Insight, Consumer Clarity, and CE3 to proactively deflect disputes before they become chargebacks.

Interception & Representment
Intercept disputes through trusted networks such as RDR, Ethoca, and CDRN. In the event of a chargeback, our expert representment services help maximize your chances of a successful recovery.

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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?
Visa’s VAMP program includes penalties for merchants and acquirers that exceed fraud thresholds. While the fee structure varies based on the level of non-compliance, the real cost is often the risk of MID termination or frozen funds. Our tool helps you prevent fraud and disputes from ever counting against your VAMP score—keeping you out of the penalty zone entirely.

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