VAMP thresholds dropped to 1.5% in April 2026. Is your VAMP Ratio ready? Most merchants don't know theirs until it's too late.
FREE MERCHANT RESOURCE
Is Your Business Ready for
Visa's New VAMP Rules?
Visa's Acquirer Monitoring Program just changed everything — combining chargebacks and TC40 fraud into one ratio with stricter thresholds and $8-per-dispute fines. Download the Merchant's Guide to VAMP and learn exactly what it means for your business.
$8
Per dispute fine under VAMP
6.7%
New threshold, April 2026
-61%
Avg. chargeback reduction
WHY IT MATTERS NOW
VAMP Changed the Rules.
Most Merchants Don't Know It Yet.
Under the old VDMP/VFMP system, many merchants were safe. Under VAMP, chargebacks and TC40 fraud are combined into a single ratio — and your acquirer may be using thresholds as low as 0.4%. Merchants who ignore this risk fines, restrictions, and loss of processing privileges.
Our FD.ID Technology intercepts disputes pre-alert — before they ever hit the card networks or your VAMP Ratio.
Save the Sale, Not Just the Case
Unlike refund-and-retreat approaches, we work with issuers to turn potential chargebacks into completed, legitimate orders.
Real-Time VAMP Ratio Tracking
Unlike refund-and-retreat approaches, we work with issuers to turn potential chargebacks into completed, legitimate orders.
We prevent card testing and enumeration attacks before authorization — not after the damage is done.
Fully Automated — Zero Added Labor
Integrates with Visa RDR, Verifi CDRN, and Ethoca Alerts. No manual workflows. Scales with your peak seasons.
Built for Your Vertical
Whether e-commerce, subscriptions, gaming, travel, or MLM — we tailor our playbooks to your specific risk profile.
HOW FRAUD DEFLECT WORKS
Most solutions fight chargebacks after they happen. Fraud Deflect stops them before they enter the ecosystem — protecting your VAMP Ratio from day one.
1
Dispute Signal Detected in Real Time
FD.ID Technology monitors every transaction for dispute signals — chargebacks, TC40 fraud flags, and alerts — the moment they arise.
2
Issuer Collaboration Kicks In
We share rich order evidence with the issuer through Order Insight, Consumer Clarity, and CE3.0 — resolving the dispute invisibly before it escalates.
3
Sale Saved. Ratio Protected.
No refund. No chargeback. No TC40 impact. The order completes, your VAMP Ratio stays clean, and your merchant account stays safe.
No spam. No obligation. Your information is never sold or shared.
REAL RESULTS
Proven Outcomes for Online Merchants
Chargeback reduction — Social Media Merchant
Alert volume reduction in 5 months
VAMP Ratio improvement (At Risk → No Risk)
Revenue saved in a single 5-month deployment
No spam. No obligation. Your information is never sold or shared.