How leading merchants are reducing disputes, improving fraud signals, and staying below Visa VAMP thresholds — by fixing refund speed.
Visa’s Visa Acquirer Monitoring Program (VAMP) tracks merchant payment health by monitoring two key indicators: fraud reporting (TC40) and dispute or chargeback rates.
When these metrics exceed Visa’s acceptable thresholds, merchants may be placed into monitoring programs by their acquirer. This can lead to higher processing costs, closer operational oversight, and in severe cases, potential restrictions on payment processing.
Most merchants focus on reducing fraud and optimizing checkout. But many disputes start after the transaction, when customers try to resolve an issue.
If refunds take several days:
By the time fraud or disputes appear in reporting, the root cause has already happened.
That root cause is often refund latency.
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Refund customers in seconds instead of days, eliminating the waiting period that often leads customers to contact their bank.
Customer support teams can close refund requests immediately, reducing operational friction and improving the overall support experience.
When customers receive their money quickly, they are far less likely to escalate the issue through their card issuer.
Fewer disputes and chargebacks contribute to healthier transaction metrics that help merchants remain below monitoring thresholds.
