What is the Visa Acquirer Monitoring Program (VAMP)

The Visa Acquirer Monitoring Program (VAMP) is a unified risk monitoring framework launched by Visa on April 1, 2025, that tracks and penalizes merchants and acquirers with excessive fraud and dispute rates on card-not-present transactions. VAMP consolidates five legacy Visa monitoring programs into a single system that calculates compliance using a combined ratio of fraud alerts (TC40) and non-fraud disputes (TC15) divided by total settled CNP transactions.