Peter Mingils interviews Rey Pasinli the owner of Total Apps. Rey Pasinli and Total Apps are leaders and experts in the field of Credit Card Payment processing and Visa and Mastercard Compliance.

Rey Pasinli explains some of the challenges he predicts based on some new Visa Regulations regarding ecommerce companies and MLM Companies losing their merchant accounts based on new metrics that will threaten their account status.

https://total-apps.com is where to learn more and book an appointment with Rey Pasinli

The Visa Acquirer Monitoring Program (VAMP) is a consolidated risk management framework introduced by Visa, effective April 1, 2025, replacing the Visa Fraud Monitoring Program (VFMP) and Visa Dispute Monitoring Program (VDMP). It aims to enhance fraud prevention and dispute management for card-not-present (CNP) transactions globally, with stricter oversight and new compliance metrics. Below is an overview of VAMP and its impact on merchants accepting Visa payments. ### Key Features of VAMP
Consolidated Framework- VAMP merges VFMP and VDMP into a single program, streamlining fraud and dispute monitoring with a unified metric called the VAMP Ratio.
VAMP Ratio = (Fraudulent transactions [TC40] + Non-fraud disputes [TC15]) ÷ Total settled transactions. – It also introduces an Enumeration Ratio to track card-testing fraud (confirmed enumerated transactions ÷ total settled transactions), using Visa's Account Attack Intelligence (VAAI) system to reduce false positives by 85%.[](https://www.chargebackgurus.com/blog/visa-announces-new-change-to-vamp-rules)[](https://justt.ai/blog/visa-acquirer-monitoring-program-vamp/) 2. **Thresholds and Enforcement**: – **Merchant Thresholds**: – From April 1, 2025: VAMP Ratio ≥ 1.5% (150 basis points) globally, ≥ 0.9% in Latin America and Caribbean (LAC). – From June 1, 2025: Adjusted to ≥ 2.2% globally, ≥ 1.5% for LAC to account for updated calculations. – From April 1, 2026: Tightened to ≥ 0.9% globally, ≥ 0.7% for LAC.[](https://www.forter.com/blog/may-2025-visa-updates-vamp-program/)
Acquirer Thresholds – From April 1, 2025: Above Standard (0.5%–0.7%), Excessive (≥ 0.7%). – From January 1, 2026: Above Standard (0.3%–0.5%), Excessive (≥ 0.5%).
(https://www.ravelin.com/blog/visa-vamp-changes-chargeback-disputes)(https://midmetrics.com/blog/visa-acquirer-monitoring-program-vamp-what-to-know-for-2025)
Enumeration Ratio**: Merchants with ≥ 300,000 enumerated transactions and an enumeration ratio ≥ 20% face penalties.[](https://www.chargebackgurus.com/blog/visa-announces-new-change-to-vamp-rules)[](https://justt.ai/blog/visa-acquirer-monitoring-program-vamp/)
Grace Period: A six-month advisory period (April 1–September 30, 2025) allows merchants and acquirers to adjust without penalties. Enforcement begins October 1, 2025, with a three-month grace period for first-time offenders within a 12-month period.(https://thepaymentsassociation.org/article/visas-new-vamp-program-raises-the-bar-for-merchants-heres-what-you-need-to-do-to-stay-compliant/)(https://justt.ai/blog/visa-acquirer-monitoring-program-vamp/)
Fines – Acquirers: $4–$5 per transaction (Above Standard), $8–$10 per transaction (Excessive). – Merchants: $8–$10 per fraudulent or disputed transaction if classified as Excessive.[](https://www.accertify.com/resource/visa-vamp-are-you-ready-to-use-the-new-regulations/)[](https://paystrax.com/blog/visa-acquirer-monitoring-program-vamp-what-does-it-mean-for-online-merchants/)(https://www.chargebackgurus.com/visa-acquirer-monitoring-program-vamp) 3. Key Changes in Calculations**: – As of March 2025, fraud-related disputes (TC40) resolved via Rapid Dispute Resolution (RDR) or Cardholder Dispute Resolution Network (CDRN) are now included in the VAMP Ratio, reversing an earlier exclusion. Non-fraud disputes (TC15) resolved via RDR/CDRN remain excluded if resolved in the same month. (https://justt.ai/blog/visa-acquirer-monitoring-program-vamp/)(https://midmetrics.com/blog/visa-acquirer-monitoring-program-vamp-what-to-know-for-2025)[](https://www.forter.com/blog/may-2025-visa-updates-vamp-program/) – Transactions are counted based on TC40 (fraud) and TC15 (non-fraud) reports, meaning fraud disputes may be double-counted (as fraud and chargeback), inflating VAMP Ratios.(https://www.chargebackgurus.com/visa-acquirer-monitoring-program-vamp)[](https://www.forter.com/blog/may-2025-visa-updates-vamp-program/) – Only CNP transactions (domestic and cross-border) processed via VisaNet are monitored, with a minimum of 1,500 combined fraud/non-fraud disputes monthly for inclusion.[](https://justt.ai/blog/visa-acquirer-monitoring-program-vamp/)[](https://www.forter.com/blog/may-2025-visa-updates-vamp-program/) 4. **New Tools and Metrics**: – **OneERS Platform**: A Microsoft Dynamics-based interface launching April 1, 2025, provides merchants with performance dashboards, remediation info, and alerts.[](https://www.chargeflow.io/blog/visa-acquirer-monitoring-program-vamp-changes-2024-new-rules-and-compliance-tips) – **Visa Account Attack Intelligence (VAAI)**: Enhances detection of enumeration attacks.[](https://www.chargebackgurus.com/blog/visa-announces-new-change-to-vamp-rules) – **Compelling Evidence 3.0 (CE 3.0)**: Helps merchants challenge unauthorized transaction disputes (reason code 10.4) by providing evidence like prior undisputed transactions, reducing VAMP Ratio impact.[](https://thepaymentsassociation.org/article/visas-new-vamp-program-raises-the-bar-for-merchants-heres-what-you-need-to-do-to-stay-compliant/) ### **Impact on Merchants** 1. **Increased Compliance Pressure**: – Merchants must maintain VAMP Ratios below thresholds (e.g., 0.9% by April 2026) to avoid fines, increased scrutiny, or account termination. High-risk industries (e.g., gaming, adult content, CBD) face greater challenges due to higher fraud/dispute rates.[](https://www.rapyd.net/blog/visa-vamp-program/)[](https://www.chargebackgurus.com/blog/visa-announces-new-change-to-vamp-rules) – Acquirers may impose stricter internal thresholds (e.g., 0.5% instead of 0.9%) to protect their portfolio, indirectly pressuring merchants even if they meet Visa's limits.[](https://solidgate.com/blog/visa-announces-new-change-to-vamp-rules/)(https://www.chargebackgurus.com/blog/visa-announces-new-change-to-vamp-rules) 2.
Financial Risks – Non-compliance can lead to fines of $8–$10 per disputed/fraudulent transaction, impacting profitability, especially for high-volume merchants. (https://www.accertify.com/resource/visa-vamp-are-you-ready-to-use-the-new-regulations/)[](https://paystrax.com/blog/visa-acquirer-monitoring-program-vamp-what-does-it-mean-for-online-merchants/) – Acquirers may pass fines or restrictions to merchants, and persistent issues could lead to account freezes or termination.[](https://chargebacks911.com/visa-acquirer-monitoring-program/)

3. Operational Changes – Merchants must adopt robust fraud prevention tools (e.g., 3D Secure, AVS, CVV validation, velocity checks, device fingerprinting) to reduce TC40 reports and enumeration attacks.[](https://www.rapyd.net/blog/visa-vamp-program/)[](https://justt.ai/blog/visa-acquirer-monitoring-program-vamp/) – Enhanced dispute resolution processes using RDR, CDRN, Order Insight, and CE 3.0 are critical to minimize VAMP Ratio impact, especially for timely resolutions.[](https://thepaymentsassociation.org/article/visas-new-vamp-program-raises-the-bar-for-merchants-heres-what-you-need-to-do-to-stay-compliant/)[](https://www.sardine.ai/blog/new-disputes-rules-visa-vamp) – Regular monitoring of TC40/TC15 data and collaboration with acquirers are essential to track and manage metrics. Merchants using 3DS must request TC40 data from PSPs to calculate accurate VAMP Ratios.[](https://justt.ai/blog/visa-acquirer-monitoring-program-vamp/)

4. **Challenges for Specific Merchants**: – **High-Risk Merchants**: Face heightened scrutiny and need proactive fraud management to stay compliant.[](https://www.rapyd.net/blog/visa-vamp-program/) – **Subscription-Based/Digital Goods Merchants**: Must align with scheme requirements and improve customer experience to reduce disputes.[](https://solidgate.com/blog/visa-announces-new-change-to-vamp-rules/)[](https://www.galatechnology.co.uk/news/story?slug=visa-s-vamp-rules-explained—fraud-and-chargeback-compliance-2025) – **Smaller Merchants**: Those with fewer than 1,500 disputes monthly are exempt, but scaling businesses may quickly fall under VAMP scrutiny.[](https://www.ravelin.com/blog/visa-vamp-changes-chargeback-disputes)(https://www.forter.com/blog/may-2025-visa-updates-vamp-program/)
Opportunities – VAMP's advisory period (until September 30, 2025) provides time to implement tools and strategies without immediate penalties.(https://thepaymentsassociation.org/article/visas-new-vamp-program-raises-the-bar-for-merchants-heres-what-you-need-to-do-to-stay-compliant/) – Tools like OneERS and CE 3.0 empower merchants with better data and dispute resolution capabilities, potentially reducing chargebacks and improving customer trust.[](https://www.chargeflow.io/blog/visa-acquirer-monitoring-program-vamp-changes-2024-new-rules-and-compliance-tips)(https://www.merchantadviceservice.co.uk/merchant-accounts/visa-enhances-acquirer-monitoring-programme-vamp-what-merchants-need-to-know)
Recommendations for Merchants To stay compliant and minimize VAMP's impact, merchants should: – **Implement Fraud Prevention Tools Use 3D Secure, AVS, CVV, real-time fraud detection, and bot detection (e.g., Solidgate's antifraud, Forter's Trust Platform).[](https://solidgate.com/blog/visa-announces-new-change-to-vamp-rules/)[](https://www.forter.com/blog/visas-updated-vamp-program-what-merchants-need-to-know/)
Leverage Dispute Resolution Tools**: Adopt RDR, CDRN, Order Insight, and CE 3.0 to resolve disputes early, ensuring resolutions occur in the same month to exclude them from VAMP Ratios.[](https://thepaymentsassociation.org/article/visas-new-vamp-program-raises-the-bar-for-merchants-heres-what-you-need-to-do-to-stay-compliant/)
https://www.forter.com/blog/may-2025-visa-updates-vamp-program/) -Monitor Metrics Regularly track VAMP and Enumeration Ratios using TC40/TC15 data via PSPs or OneERS.[](https://www.chargeflow.io/blog/visa-acquirer-monitoring-program-vamp-changes-2024-new-rules-and-compliance-tips)(https://justt.ai/blog/visa-acquirer-monitoring-program-vamp/)
Collaborate with Acquirers- Understand acquirer-specific thresholds and develop joint strategies for compliance.[](https://nationalprocessing.com/blog/visa-acquirer-monitoring-program-2025-changes/)[](https://justt.ai/blog/visa-acquirer-monitoring-program-vamp/) – **Educate Staff**: Train teams on fraud prevention and VAMP requirements to align processes.[](https://kount.com/blog/insight-visa-acquirer-monitoring-program-vamp)(https://thepaymentsassociation.org/article/visas-new-vamp-program-raises-the-bar-for-merchants-heres-what-you-need-to-do-to-stay-compliant/) – **Use Delayed Capture**: Authorize transactions but delay fund capture to screen for fraud, reducing disputes.[](https://corepay.net/articles/visa-acquirer-monitoring-program-vamp/) – **Enhance Customer Experience**: Clear transaction descriptors and communication can reduce non-fraud disputes.(https://www.rapyd.net/blog/visa-vamp-program/)
Critical Perspective While VAMP aims to secure the payment ecosystem, its stricter thresholds and inclusion of fraud-related RDR/CDRN disputes in VAMP Ratios may disproportionately burden merchants, especially those in high-risk sectors or with limited resources. The double-counting of fraud disputes (TC40 and TC15) could inflate ratios, making compliance challenging. Visa's shift may also favor its own tools (e.g., Verifi's RDR/CDRN) over competitors like Ethoca, raising concerns about fairness, though Visa retracted an initial exclusion to address anti-competitive claims. Merchants must critically assess their fraud and dispute management strategies to avoid unintended penalties, as acquirers may pass down stricter controls to protect their portfolios.[](https://www.riskified.com/blog/visa-vamp-updates/) By proactively adopting Visa's tools and aligning with acquirers, merchants can navigate VAMP's requirements, but the increased complexity and costs demand careful planning to maintain profitability and compliance. For further details, merchants can refer to Visa's official VAMP guidelines or contact their acquirer.[](https://thepaymentsassociation.org/article/visas-new-vamp-program-raises-the-bar-for-merchants-heres-what-you-need-to-do-to-stay-compliant/)[](https://justt.ai/blog/visa-acquirer-monitoring-program-vamp/)

Call Peter Mingils (386) 864-1928 and Peter will connect you with Rey Pasinli.

or
https://total-apps.com is where to learn more and book an appointment with Rey Pasinli

The post Total Apps Rey Pasinli and Peter Mingils on VAMP Visa Acquirer Monitoring Program and Drastic Changes appeared first on Building Fortunes Radio Network.