Episode Details

Peter Mingils interviews Rey Pasinli the owner of Total Apps. Rey Pasinli and Total Apps are leaders and experts in the field of Credit Card Payment processing and Visa and Mastercard Compliance.

Rey Pasinli explains some of the challenges he predicts based on some new Visa Regulations regarding ecommerce companies and MLM Companies losing their merchant accounts based on new metrics that will threaten their account status.

https://total-apps.com is where to learn more and book an appointment with Rey Pasinli

The Visa Acquirer Monitoring Program (VAMP) is a consolidated risk management framework introduced by Visa, effective April 1, 2025, replacing the Visa Fraud Monitoring Program (VFMP) and Visa Dispute Monitoring Program (VDMP). It aims to enhance fraud prevention and dispute management for card-not-present (CNP) transactions globally, with stricter oversight and new compliance metrics. Below is an overview of VAMP and its impact on merchants accepting Visa payments. ### Key Features of VAMP

Consolidated Framework- VAMP merges VFMP and VDMP into a single program, streamlining fraud and dispute monitoring with a unified metric called the VAMP Ratio.
VAMP Ratio = (Fraudulent transactions [TC40] + Non-fraud disputes [TC15]) ÷ Total settled transactions. – It also introduces an Enumeration Ratio to track card-testing fraud (confirmed enumerated transactions ÷ total settled transactions), using Visa's Account Attack Intelligence (VAAI) system to reduce false positives by 85%.[](https://www.chargebackgurus.com/blog/visa-announces-new-change-to-vamp-rules)[](https://justt.ai/blog/visa-acquirer-monitoring-program-vamp/) 2. **Thresholds and Enforcement**: – **Merchant Thresholds**: – From April 1, 2025: VAMP Ratio ≥ 1.5% (150 basis points) globally, ≥ 0.9% in Latin America and Caribbean (LAC). – From June 1, 2025: Adjusted to ≥ 2.2% globally, ≥ 1.5% for LAC to account for updated calculations. – From April 1, 2026: Tightened to ≥ 0.9% globally, ≥ 0.7% for LAC.[](https://www.forter.com/blog/may-2025-visa-updates-vamp-program/)
Acquirer Thresholds – From April 1, 2025: Above Standard (0.5%–0.7%), Excessive (≥ 0.7%). – From January 1, 2026: Above Standard (0.3%–0.5%), Excessive (≥ 0.5%).
(https://www.ravelin.com/blog/visa-vamp-changes-chargeback-disputes)(https://midmetrics.com/blog/visa-acquirer-monitoring-program-vamp-what-to-know-for-2025)
Enumeration Ratio**: Merchants with ≥ 300,000 enumerated transactions and an enumeration ratio ≥ 20% face penalties.[](https://www.chargebackgurus.com/blog/visa-announces-new-change-to-vamp-rules)[](https://justt.ai/blog/visa-acquirer-monitoring-program-vamp/)
Grace Period: A six-month advisory period (April 1–September 30, 2025) allows merchants and acquirers to adjust without penalties. Enforcement begins October 1, 2025, with a three-month grace period for first-time offenders within a 12-month period.(https://thepaymentsassociation.org/article/visas-new-vamp-program-raises-the-bar-for-merchants-heres-what-you-need-to-do-to-stay-compliant/)(https://justt.ai/blog/visa-acquirer-monitoring-program-vamp/)
Fines – Acquirers: $4–$5 per transaction (Above Standard), $8–$10 per transaction (Excessive). – Merchants: $8–$10 per fraudulent or disputed transaction if classified as Excessive.[](https://www.accertify.com/resource/visa-vamp-are-you-ready-to-use-the-new-regulations/)[](https://paystrax.com/blog/visa-acquirer-monitoring-program-vamp-what-does-it-mean-for-online-merchants/