Visa Acquirer Monitoring Program (VAMP) & High-Risk Merchants — How to Avoid Merchant Account Closure 2025
Since April 2025, Visa has been rolling out the Visa Acquirer Monitoring Program (VAMP) — a unified framework that tracks both fraud (TC40) and non-fraud disputes (TC15) across the portfolios of acquiring banks and PSPs.
From October 2025, the enforcement phase of the visa vamp program begins: Visa will start applying fines and restrictions to acquirers that exceed risk thresholds. This shift is already causing concern across the industry, with many fearing a wave of merchant account closure 2025 cases if they fail to adapt.
