The Challenge: VAMP & Rising Requirements
Visa's Acquirer Monitoring Program (VAMP) combines chargebacks (TC15) and fraud alerts (TC40) into a single metric – with declining thresholds.
Max. 2.2% VAMP Rate
Max. 1.5% VAMP Rate
Previously, only confirmed chargebacks counted. Now fraud alerts (TC40) count too – even if you win the dispute.
Our 3-Layer Strategy
Access to advanced chargeback management tools through our partner network.
DEFLECT
Prevent disputes BEFORE they occur
INTERCEPT
Stop alerts before they escalate
REPRESENT
Fight and win chargebacks
Partner Technology Stack
FD.ID Deflect Technology
Proprietary technology for dispute prevention BEFORE alerts are triggered.
- Order Insight
- Consumer Clarity
- Visa CE3 (Compelling Evidence 3.0)
- First Party Trust (2025)
Alert Systems
Early warning systems for pending chargebacks with automated refund processes.
- CDRN (Visa/Mastercard)
- RDR (Visa Rapid Dispute Resolution)
- Ethoca Alerts (Mastercard)
Proven Results
Merchants with advanced chargeback management achieve dramatic improvements.
Our Chargeback Management Consulting
Strategy Development
Analysis of your chargeback structure and development of a customized deflect/intercept/represent strategy.
Partner Integration
Connection and onboarding with leading chargeback management providers.
VAMP Monitoring
Continuous monitoring of your VAMP rate with proactive alerts at critical thresholds.
Process Optimization
Ongoing optimization of refund policies, fulfillment, and customer service to prevent chargebacks.