The new Visa Acquirer Monitoring Program (VAMP) has radically impacted how fraud and chargeback risk is managed.
Are you prepared?
Find out how to manage recent changes with an in-depth conversation with AltoPay’s Mark Standfield.
- Receive an easy-to-understand overview of the new policy and what has changed.
- Learn about potential implications for your business and how to minimize them.
- Ask all your most pressing questions and get honest, transparent answers.
This session contains true and accurate information about VAMP. While other sources share conjectures and guesses, we provide fact-based, verified information.
Access the webinar replay now. You can’t afford to miss this timely information!
What kind of content can I expect?
Here’s the list of VAMP questions that were submitted during the webinar. You can listen to Mark’s answers in the replay, or check our resource page for written explanations.
- Can you confirm the new 2025 pricing for Verifi and the impact MCC tiers will have?
- How is VAMP going to affect AltoPay? What changes can AltoPay merchants expect?
- If a dispute is resolved via an Ethoca alert, will it still be included in the VAMP ratio?
- VAMP thresholds are set by ratio and minimums? Can you explain the minimums?
- Will enumeration transactions be dealt with separately or included in VAMP?
- Who do you think will be most impacted by the new VAMP ratios?
- Will the VAMP fee be over and above the fee which the acquirer will charge?
- Can a TC40 occur when a Visa transaction was authenticated with 3D Secure?
- Can Order Insight deflect the TC40 and dispute? Or does the TC40 occur regardless?
- Do you think acquirers’ risk appetite will decrease?
- What happens in the case of a double refund (where the customer is first refunded and then initiates a chargeback)? If we fight and win these chargebacks, will this also positively impact VAMP?
- Does the card present transaction count in the ratio in the sales count?
- We are receiving some Visa alerts via Ethoca. Will those be included in RDR in the future?
- Which available tools do you suggest to implement/use to stay within the new VAMP thresholds?
- How can I prevent a possible fraud attack on my MIDs?
- If my merchant account is being enrolled into VAMP, how long will I be given to get back to the accepted thresholds?
- I read that the total dispute count will be the number of TC40s + TC15s. How do you get the TC15 file? Is it just the non-fraud disputes in your dispute file from the processor or is it from a different source?
- Is it possible for all TC40s to be included in RDR transactions?
- If you refund a TC40, does that remove it from the VAMP ratios?
- Do we no longer need to worry about fraud-to-sales ratios now? Is this entirely transaction count based?
- A lot of what I’ve found online is saying that this only applies to EU merchants. Is that true?
- My chargeback fees with the acquirer are cheaper than what RDR costs are, so I’ve never activated it. Will this force me to turn it on?
- I don’t currently use RDR because I don’t want to refund every dispute. I win most of the disputes that come in. Will there be a way to implement rules for RDR to only refund transactions that would contribute to the VAMP ratio?
- If I use RDR to refund everything, would my VAMP ratio be 0%?
- It seems like this whole VAMP update is a ploy for Visa to get merchants to use their products. What are your thoughts on that?
- How do you know if the acquirer has refunded via RDR?
- How long does it take to integrate with CDRN and RDR?
- You mentioned AltoPay offers these chargeback prevention tools. I don’t have an AltoPay merchant account. Can I still use you for CDRN and/or RDR?
For more than a decade, Jessica Velasco has been a thought leader in the payments industry. She aims to provide readers with valuable, easy-to-understand resources.
