What Is the Visa VAMP Ratio?
VAMP (Visa Acquirer Monitoring Program) tracks fraud and disputes across Visa’s merchant and acquirer network. Introduced in April 2025, it replaced the separate VFMP and VDMP programs with a combined ratio reviewed each month.
The ratio combines eligible fraud reports (TC40) and disputes (TC15), divided by settled Visa e-commerce transactions for the same period. Exceeding the applicable ratio and volume thresholds can lead to additional monitoring and fees.
How Is the VAMP Ratio Calculated?
The ratio compares eligible fraud and dispute events against the relevant Visa transaction volume. Monitoring rules and thresholds may vary by region and program category.
Why Does Your VAMP Ratio Matter?
A high VAMP ratio may lead to additional monitoring, increased costs, and operational challenges. Keeping your ratio under control helps protect payment performance and reduce unnecessary risk.
Enforcement began in October 2025, followed by tighter merchant thresholds in several regions in April 2026. Requirements and fees depend on the region and program criteria, so merchants should confirm the rules that apply to them with their acquirer.