New York, USA — October 2025 — Visa’s Acquirer Monitoring Program (VAMP) officially went live on October 1, 2025, consolidating fraud and dispute monitoring into a single framework with stricter thresholds for compliance.
As the payments landscape adapts, many merchants are discovering that they lack visibility into how their VAMP ratios are calculated, a concern reflected in feedback gathered from the Merchant Risk Council (MRC) community. This knowledge gap presents both a compliance challenge and an opportunity for education and partnership.
To bridge this gap, Chargeblast is offering a Free VAMP Ratio Analysis and a 10-minute Compelling Evidence 3.0 (CE3.0) setup, giving merchants the clarity, tools, and speed they need to stay compliant and competitive under Visa’s new rules.
A Changing Landscape for Merchants
Visa has consolidated five legacy programs such as the Visa Fraud Monitoring Program (VFMP) and the Visa Dispute Monitoring Program (VDMP) into one unified system that tracks both fraud (TC40) and non-fraud disputes (TC15) under a single ratio.
This new VAMP ratio offers a more complete view of risk but also increases accountability for merchants and acquirers. Beginning this quarter, exceeding Visa’s thresholds can trigger the following penalties:
- Above Standard — $5 per flagged transaction
- Excessive — $10 per flagged transaction
- A 3-month grace period applies to first-time offenders within a 12-month window
As the Merchant Advisory Group (MAG) continues to emphasize, transparency and fairness in payments are key to ensuring merchants have access to the information they need to make informed business decisions.
Chargeblast’s Free VAMP Ratio Analysis: Bringing Visibility to Compliance
Chargeblast’s Free VAMP Ratio Analysis helps merchants understand their standing within Visa’s new monitoring system and uncover hidden risks before they impact operations. The analysis includes:
- VAMP Ratio Calculation based on recent merchant transaction data
- Benchmarking Against Industry Peers to reveal how performance compares across verticals
- Identification of Hidden or Inflated Fees within processor or acquirer statements
- Actionable Recommendations to strengthen compliance and cost efficiency
“Merchants deserve clarity on the factors influencing their ratios,” said Qi Cao, CEO of Chargeblast. “Many simply don’t know where they stand. By offering this analysis at no cost, we’re helping businesses take back control, armed with real data and actionable insights.”
10-Minute CE3.0 Setup: From Weeks to Minutes
Beyond VAMP, Visa’s Compelling Evidence 3.0 (CE3.0) introduces stricter data requirements for defending disputes. Implementation often takes 45–60 days, delaying merchants’ readiness.
“You don’t have 45 to 60 days to get CE3.0 set up,” added Cao. “We can do it in 10 minutes, helping merchants immediately strengthen their dispute defenses without losing valuable time.”
Chargeblast’s rapid CE3.0 integration enables authenticated transaction data submission, helping merchants prevent friendly fraud and improve win rates instantly.
Collaborating Toward a Transparent Ecosystem
The Merchant Advisory Group (MAG) and Chargeblast share a common goal: empowering merchants with transparency, tools, and advocacy. By simplifying compliance and accelerating readiness, Chargeblast supports MAG’s mission of reducing operational friction and promoting collaboration across merchants, acquirers, and networks.
“This isn’t just about avoiding penalties,” said Cao. “It’s about putting merchants back in control of their payments strategies—something MAG has championed from the start.”
About Chargeblast
Chargeblast is a chargeback prevention and dispute-intelligence platform designed for high-growth and high-risk merchants. The platform provides pre-dispute alerts, VAMP Ratio Analysis, CE3.0 integration, and real-time fraud intelligence—helping businesses reduce losses, stay compliant, and safeguard revenue.
Learn more or request your Free VAMP Ratio Analysis at www.chargeblast.com.
Media Contacts
Pia Pawaan – Marketing Operations Specialist – [email protected]
Angeline Viray – Head of Marketing – [email protected]
