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 |
| April 1, 2025 | Not applicable | >=0.50% | >=1.50% |
| January 1, 2026 (MENA) | >=0.30% to <0.50% | >=0.50% | >=1.50% |
| January 1, 2026 (Global, excluding MENA) | >=0.30% to <0.50% | >=0.50% | >=0.90% |
For merchants, the thresholds only apply where the total number of fraud transactions and non-fraud disputes is:
- Outside of MENA: Greater than 1,000
- In MENA: Greater than 100 and over 75,000 USD in value
Read more about the VAMP in our Changes to Visa’s global fraud programs article.