Visa's New Fraud Monitoring Framework VAMP Enforces from October 2025
Visa is set to enforce its new fraud monitoring framework, the Visa Acquirer Monitoring Program (VAMP), from October 1, 2025. This move aims to enhance fraud detection and reduce annual losses significantly.
VAMP is expected to boost fraud detection by up to four times compared to the old system, potentially saving more than $2.5 billion annually. The enforcement will roll out in phases through 2026.
Under the new framework, acquirers could face a $10 fee or more per chargeback starting this October. The VAMP ratio, a combined measure of reported fraud and chargeback cases, will determine penalties ranging from $5 to $10 per fraudulent or disputed transaction. Visa has given acquiring banks and merchants six months to prepare, with the advisory period ending September 30, 2025.
Acquirers may respond to high fraud or dispute rates by imposing higher fees, stricter rules, or even terminating accounts for their merchants.
Visa's VAMP program, replacing previous systems, will impact acquirers starting October 1, 2025. Enhanced fraud detection and potential cost savings are expected, with acquirers adjusting their strategies based on VAMP ratios.
