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
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.
Start monitoring your VAMP rate today and reducing fraud—it's about to be too late.
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.
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
Old | VDMP / VFMP:
Chargebacks only
NEW | VAMP:
Chargebacks + TC40 fraud reports
Old | VDMP / VFMP:
Ignored if no chargeback
NEW | VAMP:
Counts against fraud rate
Old | VDMP / VFMP:
0.9%
NEW | VAMP:
Counts against fraud rate
Old | VDMP / VFMP:
Program-specific warnings/fines
NEW | VAMP:
Unified $10-per-violation fine
Old | VDMP / VFMP:
High-risk merchants
NEW | VAMP:
Everyone
End-to-end solutions unified in one powerful platform. Paymant is engineered to fight and stop chargebacks and fraud at scale.
Win the battle against fraud and stay VAMP compliant with Paymant.
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.
Say hello to the only platform that turns every user into a VAMP ready business overnight
Avoid penalties, reduce disputes, and stay below Visa thresholds.
Dispute + fraud rate tracking for merchants and portfolios.
Identify fraud even if no chargeback occurs, an essential new tool.
Stop fraud and disputes before they impact your VAMP rate.
Connect via API, SFTP, or plug into your processor.
Monitor fraud rates and VAMP health across multiple mids in real time.
Used by top merchants and processors to keep fraud and chargebacks under control.
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.
Our system combines chargebacks and TC40 fraud alerts in real time to show your true Visa risk score before it becomes a liability.
Proactive tools like ID intercept and resolve high-risk disputes before they hit your VAMP threshold—no heavy lifting needed.
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.
Stop risky transactions at the source with real-time monitoring and dispute analysis.
We monitor your VAMP rate 24/7 across both chargebacks and fraud alerts so you’re never caught off guard.
Get ahead of VAMP enforcement with real-time fraud and dispute protection.
Whether You’re a Merchant, ISO, or Acquirer—This Is for You
Protect your business, avoid fines, and monitor fraud early.
Keep your portfolio healthy and compliant—at scale.
Monitor risk across all partners with advanced portfolio tools.
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.
