# VAMP & MATCH Management: stay under Visa's thresholds and off MATCH

Orchestrapay keeps your dispute ratio under the Visa Acquirer Monitoring Program
(VAMP) threshold and your business off Mastercard's MATCH list, using chargeback
alerts, dispute deflection, 3D Secure and fraud screening across every processor
you use.

Page: https://www.orchestrapay.com/solutions/vamp-match-management

## The two lists

- **VAMP (Visa).** Since 2025, Visa counts fraud reports and disputes together
  against settled card-not-present transactions. Merchants above the threshold
  face fines and remediation plans. Thresholds vary by region and have been
  lowered over time; your acquirer can confirm yours.
- **MATCH (Mastercard).** Member Alert to Control High-risk Merchants. Acquirers
  can list a merchant whose account they terminated for excessive chargebacks or
  fraud. A listing usually lasts five years, and acquirers check it before
  boarding.

## Where each product acts

1. **Before the payment:** Antifraud Engine blocks fraud; 3D Secure shifts fraud
   liability to the issuer.
2. **When the cardholder asks:** Dispute Deflection (Visa Order Insight,
   Mastercard Consumer Clarity) shares the order so the dispute is never filed.
3. **When a dispute is raised:** Chargeback Alerts (Ethoca, Verifi CDRN and RDR)
   let you refund before it becomes a chargeback.
4. **After the chargeback:** Chargebacks & Disputes shows every dispute and your
   ratio per account; the Acquirer Network matches merchants already on MATCH to
   acquirers that still board them.

## How it works

1. **Measure** dispute and fraud counts per merchant account across processors.
2. **Switch on the levers** where your disputes come from.
3. **Stay under** and catch the next spike early.

## Related

- [Chargeback Alerts](https://www.orchestrapay.com/products/chargeback-alerts.md)
- [Dispute Deflection](https://www.orchestrapay.com/products/dispute-deflection.md)
- [Chargebacks & Disputes](https://www.orchestrapay.com/products/chargeback-management.md)
- [3D Secure](https://www.orchestrapay.com/products/3d-secure.md)
- [Antifraud Engine](https://www.orchestrapay.com/products/antifraud.md)
- [Acquirer Network](https://www.orchestrapay.com/products/acquirer-network.md)
- [Talk to sales](https://www.orchestrapay.com/contact)