TL;DR Summary:
The Visa VAMP program is complex, but managing it doesn’t have to be. Payscout turns VAMP complexity into confidence by replacing confusing data with a simple, real-time dashboard, automating time-consuming dispute-resolution tasks, and providing “White Glove” human support. We handle the compliance burden so you can focus on your business.
Let’s be honest: for a busy merchant, the Visa Acquirer Monitoring Program (VAMP) feels overwhelming. It’s a sea of new acronyms (TC40, TC15), complex ratios, and the constant threat of costly penalties.
The problem for most merchants isn’t just the risk of fines—it’s the burden of compliance. It feels like you need a new full-time department just to track, analyze, and report on VAMP metrics.
This is where merchants feel the most friction. You didn’t start your business to become a VAMP compliance expert. At Payscout, we believe you shouldn’t have to be.
Our entire approach is built on simplifying the complex. We provide the technology and the team to translate VAMP’s demands into a simple, manageable workflow, turning your compliance anxiety into confidence.
1. We Replace Data-Chaos with a Simple, Clear Dashboard
The Problem: VAMP data is scattered. You have fraud reports (TC40s) in one system, non-fraud disputes (TC15s) in another, and your total sales data (TC05s) somewhere else. Manually combining these to calculate your VAMP ratio is a recipe for errors and wasted time.
The Payscout Solution: We pull all these critical data points into a single “VAMP Health Monitor” right in your merchant dashboard.
- At-a-Glance Clarity: No more spreadsheets. You get a simple, visual, “Red-Amber-Green” status of your VAMP health in real-time.
- Simple Metrics: We show you your current VAMP ratio and how close you are to your acquirer’s thresholds—in plain English.
- Actionable Insights: See exactly what’s driving your ratio. Is it a sudden spike in fraud? Or a rash of “product not received” disputes? Our dashboard tells you where to focus your efforts.
We believe that to be in control, you first need to be informed. We make getting informed the easiest part of your day.
2. We Automate the Tedious Work (So You Can Focus on Growth)
The Problem: Managing VAMP is a manual, time-consuming process. Every non-fraud dispute (TC15) requires a response, and every fraud report (TC40) needs to be analyzed. This is time you could be spending on marketing, sales, or customer service.
The Payscout Solution: We automate the low-level tasks that drain your resources. Our platform has built-in dispute automation tools, including Rapid Dispute Resolution (RDR). You can set rules (e.g., “automatically refund all disputes under $30”) that resolve a customer inquiry before it becomes a TC15 chargeback and counts against your VAMP ratio.
This automated, pre-dispute resolution acts as a critical buffer for your ratio, saving you time, money, and compliance headaches without you lifting a finger.
3. We Provide “White Glove” Human Support
The Problem: Technology is great, but what happens when you get a VAMP warning? An automated email with a link to a help guide is the last thing you need. You need a human expert, and you need them now.
The Payscout Solution: We call our support model “White Glove” service for a reason. Our team is trained on the VAMP program. When you have a problem, you don’t get a ticket number—you get a dedicated Relationship Manager.
If your VAMP ratio starts to climb, our team proactively reaches out to you. We’ll help you analyze the data, identify the root cause, and build the exact remediation plan your acquirer needs to see. We don’t just sell you the tools; we partner with you to ensure your success.
📚 Need a Refresher on VAMP?
If the details of TC40s, thresholds, and ratios are still fuzzy, get a complete overview from our foundational guide.
The Ultimate Guide to Visa’s Acquirer Monitoring Program (VAMP): A Complete Breakdown for Merchants
A Partner That Understands Your Business
Simplifying VAMP is about having the right technology and the right partner. Payscout is proud to be a certified Minority Business Enterprise (MBE). This isn’t just a label; it’s central to our identity.
It means we are deeply committed to fostering inclusive, diverse, and strong partnerships. We understand the unique challenges that businesses of all sizes face, and our mission is to provide the support and solutions that empower you to succeed in a complex landscape.
VAMP is complex. Your payment partner shouldn’t be.
Ready to turn compliance into confidence? Contact a Payscout specialist today to see a demo of our simplified VAMP dashboard.
