# VAMP (Visa Acquirer Monitoring Program)

Visa's program that monitors fraud and dispute levels against card-not-present volume, for acquirers and the merchants they board.

Page: https://www.orchestrapay.com/resources/glossary/vamp

**VAMP**, the Visa Acquirer Monitoring Program, is how Visa monitors fraud and disputes across acquirers and their merchants. Introduced in 2025, it replaced Visa's earlier separate fraud and dispute monitoring programs with one combined measure.

## How VAMP works

VAMP looks at the number of fraud reports and disputes on card-not-present transactions, measured against the number of settled card-not-present transactions. When that ratio crosses Visa's thresholds, the merchant and its acquirer enter the program.

Thresholds and timelines differ by region and have been phased in over time, so your acquirer is the authoritative source for the numbers that apply to you.

## What happens if you exceed the threshold

Merchants identified in VAMP can face fees per dispute, mandatory remediation plans and pressure from their acquirer, which carries its own exposure. Persistent excess can end with the acquirer terminating the account, which may lead to a MATCH listing.

## How merchants stay under VAMP thresholds

- Resolve disputes early with [chargeback alerts](/products/chargeback-alerts) from Ethoca and Verifi.
- Give cardholders the order details they need through [dispute deflection](/products/dispute-deflection), so the dispute is never filed.
- Use 3D Secure to shift fraud liability on authenticated payments.
- Watch the ratio per merchant account, not only across the business.

See [VAMP and MATCH management](/solutions/vamp-match-management) for the full approach.