This post was originally published on The FinTech Times
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
Zak Matthews, vice president of solutions engineering and partnerships at Chargebacks911
According to Chargebacks911, while the goal of
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