Visa VAMP and TC40 fraud monitoring
The payments industry is undergoing a major shift with Visa’s new fraud and chargeback monitoring framework, known as the Visa Acquirer Monitoring Program (VAMP). Launching on April 1, 2025, VAMP consolidates multiple fraud and dispute programs into a streamlined system designed to enhance compliance, reduce fraud, and improve transaction security.
Additionally, TC40 data plays a critical role in fraud prevention, helping issuers and acquirers track fraudulent transactions before they escalate into chargebacks. Understanding how VAMP and TC40 reporting impact merchants is crucial for staying compliant and minimizing losses.
At QubePay, we specialize in helping merchants navigate Visa’s evolving policies, reduce fraud risks, and maintain a healthy payment processing environment.
What is the Visa Acquirer Monitoring Program (VAMP)?
VAMP replaces Visa’s previous Visa Fraud Monitoring Program (VFMP) and Visa Dispute Monitoring Program (VDMP) with a more structured, global approach to tracking fraud and chargebacks.
Key Changes with VAMP:
✅ Consolidated Fraud & Dispute Monitoring
VAMP merges five existing Visa programs into one, eliminating 38 separate remediation processes. This provides a simplified compliance structure for acquirers and merchants.
✅ Global Fraud Thresholds
For the first time, Visa is introducing uniform fraud thresholds across domestic and cross-border card-not-present (CNP) transactions. This ensures consistent compliance requirements worldwide.
✅ Updated Chargeback Ratio Calculations
Visa will implement a new VAMP ratio calculation that factors in both fraud and non-fraud disputes to determine a merchant’s compliance status.
Why VAMP Matters for Merchants
Visa’s goal with VAMP is to enhance security across the payments ecosystem, but it also places greater responsibility on merchants to reduce fraud and chargebacks.
📌 Higher Scrutiny on Disputes
Merchants with a high dispute ratio may face penalties, higher processing costs, or account termination if they exceed Visa’s limits.
📌 Proactive Fraud Prevention Required
VAMP encourages businesses to adopt AI-driven fraud detection tools, 3D Secure authentication, and better transaction monitoring.
📌 Better Data Transparency for Acquirers
Acquiring banks will have real-time insights into merchant risk profiles, helping them manage compliance more effectively.
What is TC40 Data and How Does It Affect Merchants?
TC40 data is a report generated by issuing banks whenever a fraudulent transaction is flagged. It is shared with acquiring banks and card networks like Visa and Mastercard to track fraud patterns and prevent disputes.
How TC40 Data Impacts Merchants:
⚠ Delayed Awareness of Fraud
Merchants do not have direct access to TC40 reports, meaning they might only find out about fraudulent transactions after a chargeback is filed.
🔍 Early Fraud Detection for Acquirers
Acquiring banks use TC40 data to detect emerging fraud trends and may take action against high-risk merchants before disputes escalate.
💡 How to Mitigate Risk?
Merchants should adopt real-time fraud monitoring tools and maintain open communication with their acquirer to stay ahead of fraud threats.
How QubePay Helps Merchants Stay Compliant
At QubePay, we help businesses adapt to Visa’s new regulations, prevent fraud, and manage disputes effectively. Our merchant solutions include:
✔ Advanced Fraud Prevention – AI-powered transaction monitoring and 3D Secure authentication
✔ Chargeback Management – Strategies to reduce disputes and prevent excessive chargebacks
✔ SEPA & SWIFT Payment Solutions – Secure fund settlements with global acquiring partners
✔ Real-Time Compliance Monitoring – Stay ahead of Visa’s new fraud thresholds and reporting requirements
📌 Need help navigating Visa’s VAMP and TC40 compliance changes? QubePay provides merchants with the tools and expertise to minimize fraud and optimize transaction success.
🔗 Learn more at: QubePay.com
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