Glossary
VAMP
Visa Acquirer Monitoring Program: Visa's monthly check of disputes plus fraud reports against card-not-present sales. Since April 2026 a merchant is excessive at 1.5% and 1,500 events in most regions.
Also called: Visa Acquirer Monitoring Program, Visa monitoring program, VAMP ratio.
VAMP replaced Visa's separate dispute and fraud programs in 2025. It counts both disputes and fraud reports, and it doesn't consider dispute outcomes, so a dispute the merchant wins still counts. Refunds aren't counted, which makes a fast refund cheaper than any dispute.
The excessive line is 1.5% with 1,500 events a month in Asia Pacific, Canada, the EU, the US and Latin America, and 2.2% with 150 events and $75,000 in CEMEA. Merchants above it face fees and remediation through their acquirer. Mastercard's equivalent, ECM, starts at 100 chargebacks and 1.5%, with fines from $1,000 to $100,000 a month.
These are monthly ratios per merchant, so a single month of stolen-card or incentivized traffic on a trial offer can push a small advertiser over the line.
Related terms: Chargeback, MID, MATCH list, Trial, CC submit.