Qubepay Verified by Visa

In April 2025, Visa will introduce a major overhaul of its merchant monitoring programs with the launch of the Visa Acquirer Monitoring Program (VAMP). This new framework is designed to track and manage fraud, enumeration (card testing), and disputes within the Visa network, impacting both acquirers and merchants.

As an experienced payment provider, QubePay is here to help businesses understand and comply with these new requirements to avoid penalties and ensure seamless payment processing.

What is VAMP and Why Does it Matter?

VAMP replaces Visa’s existing Visa Dispute Monitoring Program (VDMP) and Visa Fraud Monitoring Program (VFMP). While these programs previously focused on fraud and disputes separately, VAMP consolidates these elements into a single, more comprehensive risk management system.

Key Objectives of VAMP:

✔ Monitor elevated fraud and dispute activity in card-not-present (CNP) transactions
✔ Prevent card testing (enumeration fraud), where fraudsters test stolen card details
✔ Encourage merchants and acquirers to adopt strong fraud prevention measures
✔ Reduce excessive chargeback ratios, helping merchants avoid costly penalties

Key Changes and Implementation Timeline

🔹 March 31, 2025: Visa will retire the current VDMP and VFMP programs.
🔹 April 1, 2025: VAMP will go live in Europe before expanding globally.
🔹 January 1, 2026: Visa will lower fraud and dispute thresholds, making compliance even stricter.

VAMP Thresholds & Compliance Requirements

Visa will categorize merchants based on fraud and dispute levels, measured by the VAMP Ratio:

📌 April 2025 Thresholds: Merchants exceeding 1.5% fraud or dispute ratio will be considered high-risk.
📌 January 2026 Update: The threshold will be reduced to 0.9%, increasing compliance challenges.

How Is the VAMP Ratio Calculated?

✅ VAMP Ratio = (Fraud Disputes + Non-Fraud Disputes) ÷ Total Settled Transactions
✅ Enumeration Ratio = (Card Testing Attempts) ÷ (Total Authorization Requests)

Merchants that exceed Visa’s thresholds will face penalties, additional monitoring, and even account restrictions if issues persist.

How VAMP Affects Merchants

💡 Higher Scrutiny: Merchants processing high chargeback volumes may face increased fees.
💡 Fraud Prevention is Key: Businesses must adopt stronger fraud detection tools to stay below Visa’s risk limits.
💡 Actionable Insights: Merchants need better dispute resolution strategies to avoid exceeding the dispute threshold.

How QubePay Helps You Stay Compliant with VAMP

At QubePay, we are committed to ensuring our merchants stay below Visa’s risk thresholds and avoid unnecessary penalties. Here’s how we help:

✅ Advanced Fraud Prevention: We provide AI-powered fraud detection to block unauthorized transactions before they happen.
✅ Chargeback Reduction Tools: Our team helps merchants fight disputes efficiently and reduce chargeback ratios.
✅ Secure Payment Gateway: Our PCI DSS-compliant payment solutions ensure secure transactions and lower fraud risks.
✅ Real-Time Monitoring & Alerts: We track transaction patterns and provide insights to help merchants maintain compliance.
✅ Expert Guidance & Support: As an experienced Visa & Mastercard payment provider, we help merchants navigate compliance requirements and mitigate risk.

What Should Merchants Do Now?

1️⃣ Review your dispute and fraud ratios to ensure you are under Visa’s compliance limits.
2️⃣ Strengthen fraud detection tools to identify and block suspicious transactions.
3️⃣ Implement robust customer authentication measures to prevent chargebacks.
4️⃣ Work with a trusted payments partner like QubePay to ensure compliance and maintain uninterrupted processing.

📌 Don’t wait until the last minute! Preparing for VAMP now will help you avoid fees, penalties, and unnecessary disruptions to your business.

Final Thoughts

Visa’s VAMP program marks a major shift in merchant and acquirer compliance requirements. As fraud and chargeback monitoring becomes more rigorous, merchants must take proactive steps to ensure compliance and minimize risk.

At QubePay, we’re here to guide you through these changes with cutting-edge payment solutions, risk mitigation strategies, and expert support.

💳 Need help navigating Visa’s new rules? Let’s talk! Visit QubePay.com today to learn how we can help your business stay compliant and thrive.