VAMP Policy and Procedure Changes: Important Notes for AN Auctioneers

Throughout 2026, Visa is enacting a new VAMP policy and procedure for high risk or excessive charge back ratios. 

The Quick Facts:

Merchants will no longer be measured using the “above standard” threshold, but acquirers still will be.

A new metric is being introduced that looks at the number of transactions and includes all types of disputes (fraud and non-fraud). The old metrics will be removed.

Visa is moving to a risk-based approach instead of just checking for rule violations. This allows more flexibility based on each client’s risk level.

A transition period will run from April 1 to December 31, 2025.

VAMP enforcement will officially begin on October 1, 2025.

How will this impact AN sellers? 

Starting in June 2025, the new VAMP dispute rate threshold for merchants will be 2.2%. Then, from April 1, 2026, the threshold will be lowered to 1.5%. 

Once the excessive charge back ratio is reached, the merchant will be auto-enrolled in the VAMP program which involved higher fees, harsher penalties, and more institutional monitoring. Requirements do not take fraudulent / non fraudulent disputes. If the merchant wins a dispute, the transaction is not included in their ratio. 

If you would like to read more about the changes visa is making, CLICK HERE. 

Written by:

Juli Dupont

September 17, 2025     Updated 02:09 PM

Juli is the customer success guru at AuctionNinja, specializing in helping sellers achieve maximum success on the platform. With a background in the estates and acquisitions department at AuctionNinja's parent company, BRG, Juli possesses a deep understanding of the challenges and dynamics of the auctioneering and estate selling industry. Her expertise makes her the go-to person for sellers navigating the ever-changing marketplace. Juli holds a Bachelor of Arts degree in English.

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