Chargeblast, a payment technology company, is offering a free Visa Acquirer Monitoring Program (VAMP) Ratio Analysis to merchants. The initiative is designed to help businesses prepare for Visa’s new compliance framework, which takes effect on 1 October 2025.
The VAMP program introduces a significant change by combining fraud (TC40) and dispute (TC15) data into a single, stricter threshold. Merchants who exceed a ratio of 50 basis points will be flagged as “Above Standard,” which could lead to higher costs, compliance exposure, and strained relationships with their acquirers.
Helping merchants navigate new compliance rules
According to the company, many merchants are unclear on how the new VAMP ratios are calculated or how they might impact their operations and profitability. The free analysis is intended to provide clarity on these points before the October deadline.
The VAMP ratio reflects the relationship between a merchant’s total fraud and dispute counts against their overall transaction volume. An unfavourable ratio can result in penalties and less favourable terms from payment processors.
“Merchants deserve clarity on how much they are paying for value-added services, and how those fees impact their bottom line,” said Qi Cao, chief executive officer at Chargeblast. “By offering this analysis at no cost, we’re empowering merchants to enter the October compliance period informed and confident.”
What the analysis includes
The free VAMP Ratio Analysis offered by Chargeblast includes several components. It provides a detailed calculation of a merchant’s VAMP ratio based on their recent transaction data. The analysis also benchmarks the merchant’s ratio against industry peers to provide context on their performance.
Additionally, the service aims to identify hidden or inflated fees within a merchant’s existing service bundles. Based on these findings, Chargeblast will provide actionable recommendations to help merchants improve compliance, strengthen their negotiating leverage with acquirers, and enhance cost efficiency.
The company stated that the service is available to all merchants, regardless of their size or industry, and will be delivered with strict privacy standards in place.
With the new framework set to take effect, the analysis is positioned to help merchants mitigate the risk of being flagged as “Above Standard.” It also aims to provide insights that can help businesses streamline their contracts and reduce unnecessary spending.
“This is about more than compliance,” added Cao. “It’s about putting merchants in control of their payment strategy.”
