Navigating VAMP: How Our Partnership with DisputeHelp Simplifies Compliance
As a merchant, you’ve likely felt overwhelmed by fraud management complexities. Well, you’re not alone. And with the new Visa Acquirer Monitoring Program (VAMP) rolling out in 2025, the stakes are getting higher. The good news? With the right preparation, you can stay ahead of the curve. Let’s explore the challenges and, more importantly, the solutions.
The Visa Acquirer Monitoring Program (VAMP) is shaking up fraud and chargeback management. Starting April 1, 2025, Visa is combining its Dispute Monitoring Program (VDMP) and Fraud Monitoring Program (VFMP) into the all-new Visa Acquirer Monitoring Program (VAMP). This change demands immediate action from merchants to stay compliant—there's no room for hesitation, no leeway for dragging your feet. Merchants must adapt now or face the consequences. While these regulatory challenges might feel like a mountain to climb, StreamPayments turns these challenges into opportunities, empowering merchants to thrive in this new landscape. Let’s dive into the regulatory shifts, merchant pain points, and how our partnership with DisputeHelp can transform your approach to compliance and operational efficiency.
The Regulatory Challenge
Visa’s decision to consolidate VDMP and VFMP into the enhanced VAMP introduces a new era of fraud and dispute management. This unified program is designed to tackle evolving fraud tactics and streamline chargeback processes, but it also raises the stakes for merchants. Here’s what you need to know:
Key Challenges for Merchants:
Increased Fraud Monitoring: With VAMP’s expanded scope, merchants must adopt advanced real-time monitoring tools to identify and prevent fraudulent activity before it spirals out of control.
Chargeback Management: Simplified processes under VAMP demand meticulous control over chargeback counts. Missing these thresholds isn’t just a slap on the wrist—it could mean costly penalties or even termination. Learn all about VAMP in our previous article.
Adaptation isn’t optional—it’s essential.
Introducing DisputeHelp
To provide merchants with the clearest understanding of the value our partnership with DisputeHelp delivers, we collaborated with two of their key executives: Daniel Whiting, Vice President of Marketing, and Tsonyo Atanasov, Director of Business Development EMEA.
DisputeHelp is your secret weapon for navigating VAMP’s challenges like a pro. Packed with tools to prevent chargebacks, fight fraud, and recover lost revenue, DisputeHelp helps your business stay ahead of the game and in full compliance. Through a single, user-friendly dashboard, merchants gain access to three integrated modules that simplify and enhance dispute management:
The platform’s intuitive interface allows merchants to monitor their dispute management performance in real time, adjust strategies as needed, and maintain compliance with card network requirements, all within a single, streamlined environment.
Core Features
Pre-Dispute Alerts: Powered by Verifi CDRN® and Mastercard Ethoca alerts, these early warnings enable merchants to resolve disputes proactively, avoiding escalation to chargebacks. Disputes and chargebacks prevented via Visa Rapid Dispute Resolution (RDR), Verifi CDRN®, and Compelling Evidence 3.0 will automatically be removed from VAMP chargeback ratio counts, making these tools essential for success in the VAMP program.
Chargeback Prevention Tool: Seamlessly integrates Verifi CDRN®, Visa Rapid Dispute Resolution (RDR), Mastercard Collaboration, and Ethoca Alerts into a unified, self-manageable endpoint which merchants can choose to automate to save time and minimize errors.
Revenue Recovery: Helps merchants reclaim revenue lost to unwarranted or preventable chargebacks, boosting profitability and ensuring a healthier bottom line.
How It Works
Step 1 - Early Alerts: Receive timely notifications of potential disputes, allowing you to resolve customer concerns before they become chargebacks.
Step 2 - Automated Monitoring and Reporting: Leverages automated tools that ensure continuous monitoring and reporting, fully compliant with Visa’s latest compliance requirements.
Step 3 - Data-Driven Optimization: Advanced analytics refine processes, adapt to emerging fraud trends, and keep you ahead of evolving regulations.
Benefits of DisputeHelp
DisputeHelp doesn’t just simplify compliance; it enhances every aspect of your payment ecosystem.
Reduced Chargeback Costs: Minimizing chargebacks through proactive management reduces associated fees, safeguards merchant accounts, and ensures compliance with Visa’s Acquirer Monitoring Program (VAMP) thresholds.
Enhanced Fraud Management: Limit the negative consequences when fraud occurs by providing a cheaper, faster, better way to refund customers, avoid chargebacks and stop orders from being fulfilled.
Simplified Compliance: Automated systems streamline the process of meeting Visa's new unified dispute management requirements, reducing operational overhead.
Improved Customer Experience: By resolving disputes quickly and smoothly, you earn customer trust and loyalty—setting your business up for long-term success.
StreamPayments + DisputeHelp: Your Winning Combination
VAMP’s consolidated compliance framework demands a proactive, innovative approach. StreamPayments, your trusted partner in payment solutions, brings you the industry’s best solution through its collaboration with DisputeHelp. By leveraging DisputeHelp’s cutting-edge tools and StreamPayments’ expertise, you can turn regulatory hurdles into a springboard for success. Together, we help merchants minimize chargebacks, enhance fraud management, and simplify compliance, ensuring alignment with Visa’s evolving standards while boosting operational efficiency. Got questions about VAMP, DisputeHelp, and more? Contact us today to future proof your payment systems.
