Chargebacks911, a dispute administration specialist, unveiled program-ready updates to its platform in response to Visa’s new Acquirer Monitoring Program (VAMP), which formally took impact on 1 October 2025. The corporate is warning that retailers and acquirers who’re unprepared for the brand new ratios, proof requirements, and portfolio-level scrutiny threat heavy fines and potential account points.
Visa’s VAMP combines all of its earlier fraud and dispute applications right into a single world system. This new framework is designed to observe how retailers and their buying banks deal with chargebacks and fraud extra carefully. Below the brand new guidelines, if an acquirer’s total fraud and dispute ranges rise above Visa’s acceptable vary, they’ll face steep penalties, together with per-transaction fines and necessary remediation plans.
In consequence, many acquirers at the moment are setting their very own inside limits which might be even stricter than Visa’s to make sure their whole service provider portfolio stays compliant. Chargebacks911’s up to date dispute-management suite is designed to assist purchasers get hold of and submit the precise proof Visa now requires, mitigate dispute dangers, and forestall compliance violations.
The brand new guidelines and hidden dangers
In keeping with Chargebacks911, whereas the aim of VAMP is to take away fraud from the community sooner, the principle problem for operators lies within the nice print.
“VAMP’s aim is to flush fraud out of the community sooner,” stated Zak Matthews, vp of options engineering and partnerships at Chargebacks911. “However the true fright for operators is within the nice print: new ratios, regional minimums, and evolving exclusion guidelines put emphasis on exact, provable proof and portfolio-wide controls. At Chargebacks911, we’ve rebuilt our playbooks and options so purchasers can meet Visa’s bar with out ‘ghosting’ their conversion charges.”
To stay compliant, retailers and acquirers should now sharpen their defenses on a number of fronts. This contains strengthening proof readiness by gathering and aligning with Visa’s new ‘Compelling Proof 3.0’ (CE3.0) commonplace. This requires information factors akin to system and session data, account and login historical past, descriptor transparency, and affirmation of utilization or supply.
The brand new guidelines additionally place a larger emphasis on pre-dispute decision. Visa has clarified that disputes resolved by way of Fast Dispute Decision (RDR) or the Cardholder Dispute Decision Community (CDRN), together with qualifying CE3.0 instances, may be excluded from a service provider’s VAMP ratio if reported appropriately.
A unified platform for VAMP compliance
Chargebacks911 highlighted the rising threat of enumeration assaults, which Visa estimates trigger $1.1billion in annual losses. These incidents now issue straight into VAMP threat calculations. The corporate additionally confused that for acquirers and cost facilitators, portfolio-wide visibility is important to flag retailers who’re nearing Visa’s new thresholds of fifty foundation factors (‘Above Commonplace’) or 70 foundation factors (‘Extreme’).
“Every of those steps calls for intensive information orchestration, compliance monitoring, and inter-platform coordination,” added Matthews. “For many retailers and acquirers, attempting to handle all of this manually—or throughout a number of, disconnected platforms—can shortly flip right into a expensive horror story.”
The corporate’s up to date platform goals to resolve this by automating proof assortment, pre-dispute routing, and remediation reporting. It connects retailers and buying banks on the identical real-time information stream, permitting each events to investigate and resolve disputes from a single supply of information. In keeping with Chargebacks911, this shared view ends in sooner resolutions, decrease dispute ratios, and ensures all events within the cost chain are aligned with Visa’s new requirements.
