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 >=0.3% | Merchant breaches excessive enumeration ratio |
| April 1, 2025 | Not applicable | 10 USD per dispute or transaction reported as fraud | 10 USD per dispute or transaction reported as fraud | 10 USD per dispute or transaction reported as fraud |
| April 1, 2026 | 5 USD per dispute or transaction reported as fraud | 10 USD per dispute or transaction reported as fraud | 10 USD per dispute or transaction reported as fraud | 10 USD per dispute or transaction reported as fraud |
Read more about the VAMP in our Changes to Visa’s global fraud programs article.