Understanding the New Compliance Landscape
impact-of-vamp-on-merchant-compliance
The Visa Acquirer Monitoring Program (VAMP) is set to revolutionize how merchants and acquirers manage compliance and fraud metrics. With the retirement of previous programs, VAMP introduces a unified approach to monitoring and reporting.
As of April 2025, all stakeholders must adapt to the new requirements to avoid penalties and ensure smooth operations.
Key Features of VAMP
Under VAMP, merchants are expected to take proactive measures to manage their fraud ratios. This includes implementing robust fraud prevention strategies and maintaining transparent communication with their acquirers.
Why Compliance Matters
To prepare for the transition to VAMP, merchants should conduct a thorough review of their current fraud management practices. This includes assessing their chargeback ratios and understanding the new thresholds set by Visa.
Steps to Take
Acquirers will face new challenges under VAMP, as they are now responsible for the overall performance of their merchant portfolios. This shift requires acquirers to enhance their risk assessment processes and provide better support to merchants.
Key Changes for Acquirers
The implementation of VAMP marks a significant change in the landscape of merchant compliance and fraud management. Both merchants and acquirers must work collaboratively to navigate this new environment and ensure compliance with Visa's standards.
Final Thoughts
Staying informed and proactive will be key to success under the VAMP framework.
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