The PAAYcast team hosts Scott E. Adams of Fraud Deflect to discuss the Visa Acquirer Monitoring Program (VAMP) and how VAMP is reshaping how fraud, chargebacks, and transaction risk are measured — and how most merchants are still approaching it the wrong way. These industry experts break down what VAMP really means for merchants in 2026, and what strategies actually move the needle.

Key topics:

• What is VAMP / how VAMP rate is calculated

• Tracking TC40 data

• 3D Secure (3DS) and VAMP

• Card testing, BIN testing, Enumeration

Must-watch for:

• Merchants

• Acquirers

• Issuers

• Payments professionals