How does VAMP work?
Visa’s 2025 fact sheet says the updated program consolidates the earlier VAMP, the Visa Fraud Monitoring Program and the Visa Dispute Monitoring Program into one global program, with new thresholds effective 1 June 2025. Each month Visa calculates a count-based VAMP ratio on card-not-present transactions: fraud reports (TC40) plus disputes (TC15), divided by settled transactions. Disputes resolved through pre-dispute solutions and fraud reports that qualify for Compelling Evidence 3.0 are excluded. Stripe’s documentation adds that a transaction appearing in both reports counts twice.
What are the thresholds?
An acquirer’s portfolio is Above Standard at 50 basis points and Excessive at 70. Below that, the Excessive Merchant threshold is 150 basis points in Latin America and the Caribbean and 220 in CEMEA, where it also needs at least 150 fraud reports and disputes worth at least USD 75,000 in the month. In Asia Pacific, Canada, the EU and the US it fell from 220 to 150 basis points on 1 April 2026, with a minimum of 1,500. As an illustrative example: a merchant acquired in CEMEA has 20,000 settled card-not-present payments, 280 disputes and 200 fraud reports in a month. Its ratio is 480 ÷ 20,000, or 240 basis points, so if those cases total at least USD 75,000 it is an Excessive Merchant.
What happens to merchants?
Stripe’s documentation says Visa assesses fees above the Excessive threshold, and that failing to meet a program’s requirements in time can lead the network to refuse further payments to the merchant. Visa’s fact sheet also requires acquirers to stop merchants exceeding the enumeration thresholds of 2,000 basis points and 300,000 enumerated transactions.
Where does Omno use it?
VAMP is applied by Visa through acquirers. Omno scores every transaction for fraud, and card blocking, with blacklists shared across partner merchants, stops cards linked to fraud or chargebacks before any provider sees them, customer groups and customer verification levels restrict which customers reach which PSPs, and reporting shows results per PSP and merchant account.