The following table lists the enforcement fines in place under the Visa Acquirer Monitoring Program (VAMP):
| Effective date | Acquirer breaches above standard ratio | Merchant breaches excessive ratio | Acquirer breaches excessive ratio and merchant ratio is >=0.5% | Merchant breaches excessive enumeration ratio |
| April 1, 2025 | Not applicable | 8 USD per dispute or transaction reported as fraud | 8 USD per dispute or transaction reported as fraud | 8 USD per dispute or transaction reported as fraud |
| January 1, 2026 | 4 USD per dispute or transaction reported as fraud | 8 USD per dispute or transaction reported as fraud | 8 USD per dispute or transaction reported as fraud | 8 USD per dispute or transaction reported as fraud |
In the AP and Europe regions, VAMP fees will not apply where a chargeback also incurs an unsecured dispute fee. Visa applies unsecured dispute fees to fraud chargebacks where the merchant did not authenticate the disputed transaction.
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.