Winter is coming.
Are you ready for VAMP?

Visa’s new fraud + dispute program is here, don’t get caught off guard. Paymant gives you real-time visibility, automation, and expert tools to stay compliant—and stay profitable.

Or contact us at info@paymant.com

What is VAMP?

And why you should act now:

VAMP is a new program that monitors both acquirers and merchants. Chargeback rate used to be your only concern, but there's a new kid on the block - fraud rate. TC40 fraud reports + chargebacks is the new game, and it changes everything.

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April–September

Early warning phase — merchants exceeding thresholds receive alerts and are monitored but no fines are issued.

October 1, 2025

Enforcement begins — Visa starts issuing fines for merchants and acquirers over the limits.

April 1, 2026

Threshold tightens — maximum allowed VAMP rate drops from 2.2% to 1.5% for merchants.

Protect your business
before it's too late.

Start monitoring your VAMP rate today and reducing fraud—it's about to be too late.

It's a whole new world

Visa’s new fraud + dispute program is here, don’t get caught off guard. Paymant gives you real-time visibility, automation, and expert tools to stay compliant—and stay profitable.

Metrics

Old | VDMP / VFMP

NEW | VAMP

What’s Counted

Chargebacks only

Chargebacks + TC40 fraud reports

Fraud Alert (TC40) Impact

Ignored if no chargeback

Counts against fraud rate

Threshold

0.9%

2.2% (1.5% from April 2026)

Enforcement

Program-specific warnings/fines

Unified $10-per-violation fine

Who’s Affected

High-risk merchants

Everyone

What’s Counted

Old | VDMP / VFMP:

Chargebacks only

NEW | VAMP:

Chargebacks + TC40 fraud reports

Fraud Alert (TC40) Impact

Old | VDMP / VFMP:

Ignored if no chargeback

NEW | VAMP:

Counts against fraud rate

Threshold

Old | VDMP / VFMP:

0.9%

NEW | VAMP:

Counts against fraud rate

Enforcement

Old | VDMP / VFMP:

Program-specific warnings/fines

NEW | VAMP:

Unified $10-per-violation fine

Who’s Affected

Old | VDMP / VFMP:

High-risk merchants

NEW | VAMP:

Everyone

Engineered from the ground up for VAMP

End-to-end solutions unified in one powerful platform. Paymant is engineered to fight and stop chargebacks and fraud at scale.

Win The Battle

Win the battle against fraud and stay VAMP compliant with Paymant.

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Experience the only platform

built for VAMP

Fighting fraud is in our DNA. As we enter a new era, Paymant is uniquely positioned with the tools and expertise to deliver the results required to stay VAMP compliant. There's simply no other choice, welcome to the evolution of chargeback and fraud protection.

VAMP ready

Say hello to the only platform that turns every user into a VAMP ready business overnight

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Built for compliance. Backed by results.

Avoid penalties, reduce disputes, and stay below Visa thresholds.

Everything you need to fight VAMP

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Real-Time VAMP Monitoring

Dispute + fraud rate tracking for merchants and portfolios.

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TC40 Intelligence

Identify fraud even if no chargeback occurs, an essential new tool.

ID Deflection Tools

Stop fraud and disputes before they impact your VAMP rate.

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Easy Integrations

Connect via API, SFTP, or plug into your processor.

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Portfolio Health Reports

Monitor fraud rates and VAMP health across multiple mids in real time.

Built for Scale

Used by top merchants and processors to keep fraud and chargebacks under control.

Intelligent dispute & fraud protection

Most vendors stop at alerts and RDR, but we go deeper. Paymant gives you real-time protection that evolves with your business and Visa’s evolving rules—combining fraud rate reduction, chargeback interception, and live VAMP monitoring.

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Unified fraud signal tracking

Our system combines chargebacks and TC40 fraud alerts in real time to show your true Visa risk score before it becomes a liability.

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Smart dispute deflection

Proactive tools like ID intercept and resolve high-risk disputes before they hit your VAMP threshold—no heavy lifting needed.

Stay under thresholds. Stay compliant.

Stay ahead of new VAMP enforcement standards with always-on protection and automated workflows that resolve disputes before they happen, not just refund them. Built to keep your business compliant and protected—at scale.

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Block dispute triggers

Stop risky transactions at the source with real-time monitoring and dispute analysis.

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Live VAMP rate protection

We monitor your VAMP rate 24/7 across both chargebacks and fraud alerts so you’re never caught off guard.

October is coming fast.

Get ahead of VAMP enforcement with real-time fraud and dispute protection.

Who is this for

Whether You’re a Merchant, ISO, or Acquirer—This Is for You

Merchants

Protect your business, avoid fines, and monitor fraud early.

ISOs & PSPs

Keep your portfolio healthy and compliant—at scale.

Acquirers

Monitor risk across all partners with advanced portfolio tools.

Are you ready for what's coming?

Have questions about VAMP compliance, integration, or how to get started? Our fraud experts will walk you through our platform and make sure you are VAMP ready before October 1st.

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