The Visa Acquirer Monitoring Program (VAMP) ratio calculation excludes disputes resolved through the following programs:
| Transaction code | Includes | Excludes |
TC15 |
Fraudulent and non-fraud chargebacks with dispute code condition codes 10, 11, 12, 13 | Disputes resolved through: - Visa Compelling Evidence 3.0 - Visa Verifi - Mastercard Ethoca |
TC40 |
Issuer-reported fraud, excluding confirmed Visa Compelling Evidence 3.0 transactions | Disputes resolved through: - Cardholder Dispute Resolution Network (CDRN) - Rapid Dispute Resolution (RDR) - Visa Verifi - Mastercard Ethoca |
This change creates a strong incentive for you to resolve disputes before they become chargebacks. By resolving disputes early, you can avoid inflating your fraud dispute ratio.
However, the dispute and the resolution must fall within the same month to be excluded from your VAMP ratio.