VAMP & MATCH Management
Stay under Visa's thresholds. Stay off MATCH.
Too many disputes and Visa flags you. Lose the account over them and Mastercard lists you for five years. We bring your ratio down at every stage of a dispute, on every processor.
- Dispute DeflectionOff
- Chargeback AlertsOff
- 3D SecureOff
- Antifraud EngineOff
What we do about it
Your dispute ratio is the number your merchant account lives or dies by.
See your ratio before Visa does
Disputes and fraud reports from every processor, counted against your volume per merchant account.
Stop disputes from being filed
Dispute Deflection shares the order with the cardholder's bank, so confused customers recognise the charge.
Refund before it counts
Ethoca and Verifi alerts let you refund a raised dispute before it becomes a chargeback.
Push fraud liability to the issuer
3D Secure on the payments that need it, and fraud screening on every payment before it is charged.
Act on a spike early
A sudden rise on one account or one product shows up in days, not when the acquirer's letter arrives.
A way back from MATCH
If you are already listed, the Acquirer Network matches your application to acquirers that still board you.
The two lists
One is a warning. The other ends your merchant account.
Visa's monitoring programme and Mastercard's terminated merchant list work on different timelines, and both are avoidable.
VAMP
Visa Acquirer Monitoring Program
Since 2025, Visa counts fraud reports and disputes together against your settled card-not-present transactions. Cross the threshold and you are flagged as excessive, with fines per dispute and a remediation plan your acquirer will hold you to.
Fines, a remediation plan, and an acquirer that starts looking for the exit.
MATCH
Member Alert to Control High-risk Merchants
When an acquirer closes your account for excessive chargebacks or fraud, it can add your business and its principals to MATCH. Every acquirer checks it before boarding a merchant.
Five years on the list, and most acquirers will not board you while you are on it.
Where each product acts on a dispute
Before the payment
When the cardholder asks
When a dispute is raised
How it works
From flagged to comfortably under.
Measure
Connect your processors and see your dispute and fraud counts per merchant account, in one place.
Switch on the levers
Turn on deflection, alerts, 3D Secure rules and fraud screening where your disputes actually come from.
Stay under
Watch the ratio drop by account and by month, and catch the next spike before it costs you the account.
The products behind it
Questions teams ask before they switch.
The Visa Acquirer Monitoring Program replaced Visa's separate fraud and dispute monitoring programmes in 2025. It counts fraud reports and disputes together against your settled card-not-present transactions, and merchants above the threshold face fines and remediation plans.
Close to a threshold, or already flagged? Talk to us this week.
Tell us your processors and your monthly dispute and fraud counts. We will show you where the disputes come from and which levers bring the ratio down first.
- Your ratio across every processor
- Alerts, deflection and 3D Secure in one place
- A transparent number before you sign anything