Winter Is Coming.
Are You Ready For VAMP?
Visa’s new fraud + dispute program is here, don’t get caught off guard. Fraud Deflect gives you real-time visibility, automation, and expert tools to stay compliant—and stay profitable.
Or contact us at info@frauddeflect.partners
What is VAMP?
And why you should act now:
VAMP is a new program that monitors both acquirers and merchants. Chargeback rate used to be your only concern, but there's a new kid on the block - fraud rate. TC40 fraud reports + chargebacks is the new game, and it changes everything.
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April–September
Early warning phase — merchants exceeding thresholds receive alerts and are monitored but no fines are issued.
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October 1, 2025
Enforcement begins — Visa starts issuing fines for merchants and acquirers over the limits.
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April 1, 2026
Threshold tightens — maximum allowed VAMP rate drops from 2.2% to 1.5% for merchants.
It's A Whole New World
VAMP combines and tightens the old programs—here’s how the rules are different now.
Metrics
Old | VDMP / VFMP
New | VAMP
What’s Counted
Chargebacks only
Chargebacks + TC40 fraud reports
Fraud Alert (TC40) Impact
Ignored if no chargeback
Counts against fraud rate
Threshold
0.9%
2.2% (1.5% from April 2026)
Enforcement
Program-specific warnings/fines
Unified $10-per-violation fine
Who’s Affected
High-risk merchants
Everyone
Engineered from the ground up for VAMP
End-to-end solutions unified in one powerful platform. Fraud Deflect is engineered to fight and stop chargebacks and fraud at scale.
Win The Battle
Win the battle against fraud and stay VAMP compliant with Fraud Deflect.
Experience the Only Platform Built For VAMP
Fighting fraud is in our DNA. As we enter a new era, Fraud Deflect is uniquely positioned with the tools and expertise to deliver the results required to stay VAMP compliant. There's simply no other choice, welcome to the evolution of chargeback and fraud protection.
Everything You Need To Fight VAMP—In One Platform
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Real-Time VAMP Monitoring
Dispute + fraud rate tracking for merchants and portfolios.
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TC40 Intelligence
Identify fraud even if no chargeback occurs, an essential new tool.
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FD.ID Deflection Tools
Stop fraud and disputes before they impact your VAMP rate.
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Easy Integrations
Connect via API, SFTP, or plug into your processor.
Portfolio Health Reports
Monitor fraud rates and VAMP health across multiple mids in real time.
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Built for Scale
Used by top merchants and processors to keep fraud and chargebacks under control.
Fraud Deflect
Intelligent dispute & fraud protection
Most vendors stop at alerts and RDR, but we go deeper. Fraud Deflect gives you real-time protection that evolves with your business and Visa’s evolving rules—combining fraud rate reduction, chargeback interception, and live VAMP monitoring.
Unified fraud signal tracking
Our system combines chargebacks and TC40 fraud alerts in real time to show your true Visa risk score before it becomes a liability.
Smart dispute deflection
Proactive tools like FD.ID intercept and resolve high-risk disputes before they hit your VAMP threshold—no heavy lifting needed.
Stay under thresholds. Stay compliant.
Stay ahead of new VAMP enforcement standards with always-on protection and automated workflows that resolve disputes before they happen, not just refund them. Built to keep your business compliant and protected—at scale.
Block dispute triggers
Stop risky transactions at the source with real-time monitoring and dispute analysis.
Live VAMP rate protection
We monitor your VAMP rate 24/7 across both chargebacks and fraud alerts so you’re never caught off guard.
Who This Is For
Whether You’re a Merchant, ISO, or Acquirer—This Is for You
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Merchants
Protect your business, avoid fines, and monitor fraud early.
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ISOs & PSPs
Keep your portfolio healthy and compliant—at scale.
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Acquirers
Monitor risk across all partners with advanced portfolio tools.
Are You Ready For What's Coming?
Have questions about VAMP compliance, integration, or how to get started? Our fraud experts will walk you through our platform and make sure you are VAMP ready before October 1st.
info@frauddeflect.partners
425 Town Plaza Ave Ponte Vedra, FL 32081
