The Visa Acquirer Monitoring Program (VAMP) is Visa’s formal initiative to monitor merchants and acquirers with high chargeback or fraud rates. Organizations exceeding defined thresholds may be enrolled in the program and subject to fees, restrictions, or enhanced oversight. VAMP tracks the metrics TC15s and TC40s to determine risk status.

If your business approaches VAMP thresholds, immediate action is needed to reduce disputes and fraud. AltoPay monitors your VAMP ratio and can provide support to help lower risk. Staying compliant with VAMP requirements protects your merchant account from fines or termination. It’s essential to regularly review dispute reasons and your management strategy to stay below the limits.