# About VAMP

VAMP or Visa Acquirer Monitoring Program is a new fraud and chargeback monitoring program that will be replacing the currently existing ones such as VDMP (Visa Dispute Monitoring Program) or VFMP (Visa Fraud Monitoring Program), on total it consolidates five existing chargeback and fraud monitoring programs and combines 38 distinct remediation processes into a single acquirer program.

The subjects for monitoring of the new program are both acquirers and merchants. Officially the newest version of the program went into effect on April the 1st 2025.

# 🔎 How is VAMP measured

## VAMP Ratio

The core metric in the program is the VAMP ratio which is calculated by the following formula:

$\frac{(Fraud + Disputes)}{Sales}$

where:
- Fraud = Events that are considered to be TC40 cases 
- Disputes = Events that are considered to be TC15 cases 
- Sales = Events that are considered to be TC05 cases 

## VAMP Exclusions

The ratio should exclude pre-dispute solutions (e.g. RDR) and cases for Compelling evidence 3.0. Congruity currently supports deducting the cases for pre-dispute solutions if sourced via Congruity automatically. Integration of third party data sources can be discussed and added.

## VAMP thresholds

The thresholds are being reviewed and adjusted by Visa on regular basis, the latest ones effective from the 1st of April 2026 for EU and US for merchants are **150bps** for the VAMP ratio additionally to a minimal threshold for the count of fraud cases of 1500 **per month**

The cases for fraud and chargebacks in case there is a tc40 reported case and a chargeback that has been raised are **double counted**.

## How to Start monitoring VAMP with Congrify

Getting started is simple. Head to the **“Risk”** section in Congrify UI and click on the **“VAMP”** tab. If your plan allows you to access it you will see the current numbers displayed in this tab.

![Alt text](https://docs.congrify.com/Images/VAMP_1_Starting_monitoring.png)

In case the feature is not yet available to you, you can upgrade your plan. For any questions you can contact <support@congrify.com>

## Supported PSPs
Currently the VAMP metics are supported for the following PSPs:
- Chase Payment tech
- Adyen
- Checkout.com
- Stripe

New PSPs are getting added soon, contact us if you have a PSP that you need for monitoring of VAMP

## Data update frequency

The data is updated on the Congruity Payments Intelligence Platform as soon as it is made available from the PSP, usually on a daily basis.

## Metrics for fraud, chargebacks and sales

You can find the counts for Fraud (Fraud Count) and Chargebacks (1st Chargebacks Count) in the top counter on the page:

![Alt text](https://docs.congrify.com/Images/VAMP_2_Metrics_for_fraud_chrgback.png)

They are also visible in each of the tables behind histograms (below the series chart), for non-sales KPIs summed in one number for fraud and chargebacks as VAMP Count:

![Alt text](https://docs.congrify.com/Images/VAMP_3_series_chart.png)

The metrics are reported on the merchant level and on the merchant account level as well as on all the other dimensions and combinations of those to provide you with the most flexible way to analyze your data.

![Alt text](https://docs.congrify.com/Images/VAMP_4_dimensions_view.png)

## Getting notified
There is a color coding in place for the top counters on the page turning red and bold for each of the KPIs going above:

- VAMP ratio over 1.5%.
- VAMP count over 1500+
- VAMP volume over 75k USD

![Alt text](https://docs.congrify.com/Images/VAMP_5_ratio_widget.png)

A separate custom alert can be defined with a few click via the Alerts section.

![Alt text](https://docs.congrify.com/Images/VAMP_6_Alert_setting.png)