Summary of Updates
Visa Global Risk has announced significant updates to the 2025 VAMP, aimed at streamlining the payment ecosystem and addressing industry feedback. Key changes include:
- Increased Thresholds: Higher thresholds for acquirers to minimize disruptions.
- Augmented Calculation: Enhanced methods for calculating metrics, improving accuracy.
- Pre-Dispute Solutions Impact: Adjustments to how pre-dispute solutions affect VAMP calculations.
Notably, Verifi solutions will continue to protect merchants by reducing the impact of fraud and disputes – resolved CDRN and RDR cases, along with CE3.0 10.4 deflections, will still prevent disputes from affecting your VAMP ratios. Additionally, CE3.0 deflected fraud notices (TC40) will be excluded from the calculations, ensuring a more favourable outcome for customers and partners.
Recent Developments
In 2024, Visa introduced the Visa Acquirer Monitoring Program (VAMP), which consolidates various rules into a single framework with three primary objectives: reducing fraud, minimizing friction for consumers, and alleviating operational burdens for Visa clients. Recent updates reflect feedback from acquirers, merchants, and industry groups.
Key Changes
While the core principles of the program remain intact, Visa is refining the formula used to identify high-fraud entities. This adjustment will now incorporate all disputes—both fraudulent and non-fraudulent—aiming to enhance the overall experience for consumers. Merchants, payment companies, and their acquirers with high dispute levels will be motivated to reassess their business practices, including product quality, marketing strategies, and proactive fraud prevention measures, to meet customer expectations effectively.
Importance of These Changes
With Visa’s VAMP, the Visa Integrity Risk Program (VIRP), and the Fraud Reporting and Control Program in place and continuously evolving – Austreme’s solutions are committed to fostering secure innovations in payments risk and ensuring compliance with Visa and card scheme rules.
Contact Austreme and discover how our Chargeback Prevention service with RDR and OrderInsight can help you reduce and deflect chargebacks.
Want to learn more? Explore our RDR and OrderInsight page.
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About Austreme
Austreme Technology is an industry leader specialising in ecommerce acquiring payment risk technologies and services. We provide a wide range of financial risk management services for global customers such as big data analytics, anti-transaction laundering, merchant website risk content monitoring, merchant onboarding and chargeback prevention. Austreme is a MasterCard Merchant Monitoring Service Provider (MMSP) since 2015, and a Visa Third Party Agent (TPA).