The following table lists the Visa Acquirer Monitoring Program (VAMP) thresholds for disputes and fraud:
| Effective date | Acquirer above standard ratio | Acquirer excessive ratio | Merchant excessive ratio |
|---|---|---|---|
| June 1, 2025 | N/A | >=0.70% | >=2.20% |
| January 1, 2026 | >=0.50% to <0.70% | >=0.70 | >=2.20% |
| April 1, 2026 (Global, excluding MENA) |
>=0.50% to <0.70% | >=0.70 | >=1.50% |
For merchants, these thresholds only apply where the total number of transactions reported as fraud plus disputes is:
- Outside of MENA: Greater than 1,500
- In MENA: Greater than 100 and over 75,000 USD in value
Note: Visa made a significant update to how they will calculate the program ratios, with corresponding increases to the thresholds at which these ratios will result in scheme fees. Read more about these changes here.