The primary goal of the Visa Acquirer Monitoring Program (VAMP) is to ensure the integrity of the Visa payment system. This program continuously monitors transaction activities to detect and prevent fraudulent behavior, ensuring that both merchants and consumers can trust the system. For acquirers and merchants, this means adhering to a set of stringent standards to maintain a high level of transaction security.
Acquirers are responsible for ensuring that their merchants comply with VAMP standards and remain below specific thresholds. This compliance includes implementing robust monitoring systems, conducting regular reviews of transaction data, and taking corrective actions when potential actions are identified. Failure to meet these standards can result in penalties, increased scrutiny, and potential loss of the ability to process Visa transactions.
Visa plans to deploy new changes to VAMP globally beginning April 2025. However, at this time the compliance will not be enforced until October 2025 for merchants and Acquirers.