If someone quotes you VDMP or VFMP, they are working from old rules
Visa replaced VDMP and VFMP with a single programme, VAMP, on 1 April 2025. The old names are still quoted in sales conversations and onboarding packs more than a year later, which tells you something about how current the rest of the pack is.
In force since April 1, 2025
Visa used to run two separate monitoring programmes: VDMP for disputes and VFMP for fraud. On 1 April 2025 both were consolidated into one — the Visa Acquirer Monitoring Program, VAMP.
That change is over a year old. The old names are still turning up in sales decks, onboarding packs and risk explanations.
Why it is worth noticing
Not because the old names are dangerous in themselves. Because of what it tells you about the document they appear in.
A provider still describing VDMP thresholds is working from material nobody has revised since before the change. The thresholds themselves moved, and the new programme scores the acquirer as well as the merchant — which changes who is under pressure when your dispute rate drifts, and therefore who calls you about it.
What we would ask
- Does your current provider’s risk material name VAMP, or VDMP and VFMP?
- Do you know your own dispute ratio, and against which denominator?
- If it drifted, who would tell you — and how quickly?
If nobody has mentioned any of this to you, that is not necessarily a problem. It is just a reasonable prompt to find out where you actually sit.
Where this comes from
We link the source rather than asking you to take our word for it. If a source moves or turns out to be wrong, tell us and we will correct the note rather than quietly delete it.
Terms in this note
- Visa VAMP (Visa Acquirer Monitoring Program)Visa's consolidated fraud and dispute monitoring program, live since April 1, 2025, which scores acquirers and merchants on a single combined ratio.
- VDMP and VFMP (legacy Visa programs)Visa's former separate dispute and fraud monitoring programs, replaced by VAMP on April 1, 2025 but still quoted in stale sales material.
- Chargeback RatioThe measured rate of disputes against transactions or volume, and the number that decides whether you keep your merchant account.
Not sure how this applies to you?
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