In this episode, Frank covers Visa’s new VAMP fraud rules and what they mean for high-risk merchants. He explains how chargebacks and TC40 fraud reports now combine into a single fraud ratio—and why exceeding 0.9% could get your account shut down. With acquiring banks under stricter pressure, over 250,000 merchants are expected to be terminated by year-end. Frank shares what merchants must do to stay compliant, plus how tools like PayDiverse’s VAMP Monitoring can help.

In this episode, these questions and topics will be covered:

• 01:20 – What the VAMP program is and why it replaces two previous Visa monitoring systems.
• 02:17 – The role of TC40 fraud reports and why they now matter just as much as chargebacks.
• 06:33 – How to calculate your fraud ratio and what the new thresholds mean for businesses.
• 07:22 – The types of merchants most at risk. 
• 08:50 - The steps merchants should take to prepare for the new VAMP guidelines and how PayDiverse’s VAMP Monitoring Tool helps merchants stay compliant and avoid penalties.

Don’t wait until Visa flags or fines your account. Start monitoring your fraud metrics now. To learn more about VAMP compliance or to get visibility into TC40 reports, visit the PayDiverse website or connect with Frank Cena for personalized support.

Have a question about something in the episode? Send your questions to Info@PayDiverse.com and check out our FAQ page https://paydiverse.com/faq

Connect with PayDiverse:
Instagram: https://www.instagram.com/paydiverse
Website: http://www.paydiverse.com
LinkedIn: https://www.linkedin.com/in/franksena