VAMP, the Visa Acquirer Monitoring Program, is Visa’s consolidated risk program that measures fraud and dispute activity together and holds acquirers accountable for the merchants in their portfolios. It replaced Visa’s older separate programs, the Visa Dispute Monitoring Program and the Visa Fraud Monitoring Program, folding them into a single ratio with thresholds at both portfolio and merchant level, and the merchant threshold tightened again in April 2026.
Why it matters
Because VAMP scores the acquirer’s whole portfolio, acquirers now manage their books defensively: merchants who push the portfolio toward a threshold get re priced, reserved or offboarded before Visa ever names them. High risk merchants feel VAMP less as a direct penalty and more as a change in acquirer behavior, tighter underwriting, faster terminations and less patience for borderline ratios. Knowing your own numbers under VAMP’s formula is the only way to see the conversation coming.