Chargebacks911, a dispute management specialist, unveiled program-ready updates to its platform in response to Visa’s new Acquirer Monitoring Program (VAMP), which officially took effect on 1 October 2025. The company is warning that merchants and acquirers who are unprepared for the new ratios, evidence standards, and portfolio-level scrutiny risk heavy fines and potential account issues.
Visa’s VAMP combines all of its previous fraud and dispute programs into a single global system. This new framework is designed to monitor how merchants and their acquiring banks handle chargebacks and fraud more closely. Under the new rules, if an acquirer’s overall fraud and dispute levels rise above Visa’s acceptable range, they can face steep penalties, including per-transaction fines and mandatory remediation plans.
As a result, many acquirers are now setting their own internal limits that are even stricter than Visa’s to ensure their entire merchant portfolio remains compliant. Chargebacks911’s updated dispute-management suite is designed to help clients obtain and submit the specific proof Visa now requires, mitigate dispute risks, and prevent compliance violations.
The new rules and hidden risks
According to Chargebacks911, while the goal of VAMP is to remove fraud from the network faster, the main challenge for operators lies in the fine print.
“VAMP’s goal is to flush fraud out of the network faster,” said Zak Matthews, vice president of solutions engineering and partnerships at Chargebacks911. “But the real fright for operators is in the fine print: new ratios, regional minimums, and evolving exclusion rules put emphasis on precise, provable evidence and portfolio-wide controls. At Chargebacks911, we’ve rebuilt our playbooks and solutions so clients can meet Visa’s bar without ‘ghosting’ their conversion rates.”
To remain compliant, merchants and acquirers must now sharpen their defenses on several fronts. This includes strengthening evidence readiness by gathering and aligning with Visa’s new ‘Compelling Evidence 3.0’ (CE3.0) standard. This requires data points such as device and session information, account and login history, descriptor transparency, and confirmation of usage or delivery.
The new rules also place a greater emphasis on pre-dispute resolution. Visa has clarified that disputes resolved through Rapid Dispute Resolution (RDR) or the Cardholder Dispute Resolution Network (CDRN), along with qualifying CE3.0 cases, can be excluded from a merchant’s VAMP ratio if reported correctly.
A unified platform for VAMP compliance
Chargebacks911 highlighted the growing risk of enumeration attacks, which Visa estimates cause $1.1billion in annual losses. These incidents now factor directly into VAMP risk calculations. The company also stressed that for acquirers and payment facilitators, portfolio-wide visibility is essential to flag merchants who are nearing Visa’s new thresholds of 50 basis points (‘Above Standard’) or 70 basis points (‘Excessive’).
“Each of these steps demands extensive data orchestration, compliance tracking, and inter-platform coordination,” added Matthews. “For most merchants and acquirers, trying to manage all of this manually—or across multiple, disconnected platforms—can quickly turn into a costly horror story.”
The company’s updated platform aims to solve this by automating evidence collection, pre-dispute routing, and remediation reporting. It connects merchants and acquiring banks on the same real-time data stream, allowing both parties to analyze and resolve disputes from a single source of data. According to Chargebacks911, this shared view results in faster resolutions, lower dispute ratios, and ensures all parties in the payment chain are aligned with Visa’s new standards.
