What Visa’s New VAMP Means for Merchants in 2025

Visa is changing how it monitors merchant dispute rates with its revised Visa Acquirer Monitoring Program (VAMP). From April 1, 2025, Visa is consolidating its dispute/fraud-monitoring programs into one: VAMP. This means updated thresholds, new metrics, and changes to how penalties are applied.

1. Consolidation of programs
2. Visa is retiring the Visa Dispute Monitoring Program (VDMP) and Visa Fraud Monitoring Program (VFMP) as of March 31, 2025, and folding them into a single enhanced VAMP.
3. New thresholds for merchants

• The new dispute ratio (total disputes ÷ total sales) is set at 2.2% from June 2025.
• In some regions (North America, EU, Asia Pacific), this will drop to 1.5% starting 1 April 2026. Latin America & Caribbean will already be at 1.5% from April 2025.

1. Enumeration ratio introduced
2. To curb card testing (where fraudsters test card details with small transactions), Visa is introducing an enumeration ratio. If more than 20% of submitted transactions are identified as enumeration attacks, the merchant risks being enrolled into VAMP. There’s also a minimum volume requirement: at least 300,000 “enumerated authorization transactions” must be identified via Visa’s VAAI for penalties to apply.
3. Changes to what’s excluded
4. Some disputes resolved via “pre-dispute” tools like Rapid Dispute Resolution (RDR) and Verifi’s tools are excluded under certain conditions. Certain TC40 fraud and non-fraud disputes (TC15 codes 11-13) may also be excluded.
5. Removal of “above standard” merchant stage
6. Merchants will no longer have an “above standard” level: they will be enrolled only if they cross the “excessive” threshold.
7. Timing

• Rollout in Europe starts 1 April 2025.
• Enforcement of excessive thresholds starts 1 October 2025.

QashPay provides merchants with the tools they need to stay in control of dispute rates under the new VAMP:

• Real-Time Chargeback Data
• Through the QashPay Chargeback Portal, merchants can monitor dispute and chargeback metrics in real time. This gives an immediate view of dispute ratios, enabling merchants to act quickly if trends start approaching Visa’s thresholds. Real-time visibility also supports better forecasting, budgeting for potential penalties, and identifying risky transaction segments early.
• Built-In Rapid Dispute Resolution (RDR)
• QashPay integrates RDR into its platform, allowing eligible disputes to be automatically refunded before they escalate into full chargebacks. These resolved pre-disputes are excluded from Visa’s VAMP calculations, which helps merchants maintain lower dispute ratios while improving customer satisfaction.
• By combining these capabilities, QashPay enables merchants to detect rising disputes early, prevent avoidable chargebacks, and remain compliant as Visa tightens its monitoring rules.

Chargeback Portal