The Visa Acquirer Monitoring Program (VAMP) is a consolidated risk framework that Visa is rolling out to bring together multiple monitoring programs under one umbrella.
It will track a key ratio:
(Fraud + Disputes) ÷ Settled Transactions
If this ratio crosses Visa’s set thresholds -even for short periods -the acquirer or merchant could face increased oversight, penalties, or even account termination.
This means both fraud and disputes are now weighted more heavily than in previous monitoring models. For agents and ISOs, that means more proactive risk management will be required -not just from processors, but at the merchant level.
Why VAMP Matters to You
For ISOs and agents, VAMP means:
Stricter risk thresholdsfor merchants and acquirers
Higher expectationsfor fraud prevention, dispute resolution, and customer service
A need for deeper insight into how your portfolio is performing across risk metrics
The reality is, this change could impact your residuals, your relationships with processors, and how easily you can place new accounts. Merchants who are unaware or unprepared may suddenly become liabilities.
How to Prepare for VAMP
You don’t need to be a risk analyst to respond to VAMP -but you do need to be informed and proactive. Here are some general best practices:
🔎 Know Your Merchants - Understand their business models, risk profiles, and dispute histories. High-risk merchants may need additional attention.
🧠 Educate and Advise - Share simple tips to reduce disputes: clearer billing descriptors, stronger refund policies, better fraud tools, and improved customer communication.
📊 Monitor Metrics Early and Often - Stay on top of fraud and dispute ratios. Don’t wait until thresholds are breached - act preemptively.
🛠️ Use Tools That Support Compliance - Whether it’s a processor, gateway, or CRM, prioritize tools that offer visibility, control, and security around transactions.
Why Work with Expitrans?
At Expitrans, we understand the real-world challenges ISOs and agents face -especially when major industry shifts like VAMP come into play.
While every portfolio is different, our role is simple:
🔍 Stay informed
💡 Share insights
🤝 Provide reliable support when things get complex
We’re keeping a close eye on VAMP and its implications for our partners. If you're looking for a processing partner who takes risk seriously, understands the changing landscape, and values transparency -we're here for you.
🔒 Stay Ahead of Risk - With the Right Partner
VAMP is just one example of how quickly the payments landscape is evolving. Having the right partner can make all the difference - not just in managing risk, but in building stronger, longer-lasting merchant relationships.
At Expitrans, we help ISOs and agents do exactly that.
👉 Click below to learn how ExpiTrans can help you grow.
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