Monthly Archives: April 2026
Fraud Declines vs. No-Fraud Declines
The most expensive problem in payments isn’t fraud. It’s the fraud that never happened. False declines — legitimate transactions blocked by overly aggressive fraud rules — cost U.S. merchants more than actual card fraud does. The numbers have been consistent for years: for every $1 lost to fraud, roughly $13 is lost to false declines….
What is VAMP?
What is VAMP? VAMP is a Visa program that penalizes both acquirers and merchants for failing to meet certain thresholds related to disputed transactions. It replaces Visa’s former monitoring programs – VDMP and VFMP – and combines them into one rate that monitors fraud and chargebacks for acquirers and merchants. How VAMP works VAMP is…