VAMP vs Excessive Chargeback Program
VAMP and Excessive Chargeback Program are easy to mix up. Here are both definitions from the HighRisk Media glossary side by side.
Comparison table
| Term | VAMP | Excessive Chargeback Program |
|---|---|---|
| Full name | Visa Acquirer Monitoring Program | — |
| In short | VAMP (Visa Acquirer Monitoring Program) is a Visa program that tracks the share of disputed and fraudulent transactions among an acquirer's merchants and fines the bank if those rates exceed the permitted level. | Mastercard monitoring (Excessive Chargeback Program, ECP) is a Mastercard program that tracks merchants with excessive chargeback levels and imposes fines and restrictions. |
| Verticals | Fintech, Gambling, Betting, Nutra, Dating | Fintech, Gambling, Betting, Nutra, Dating |
What is VAMP?
VAMP is a monitoring program through which Visa controls the quality of payment processing at acquirers. It combines Visa's earlier dispute and fraud programs, so it now counts both chargebacks and fraud reports. The program operates at the acquirer level, but its consequences quickly reach the merchant.
What is Excessive Chargeback Program?
Excessive Chargeback Program (ECP) is a Mastercard program for merchants whose disputed payments (chargebacks) exceed the permitted threshold. The program runs on the scheme side: issuers file disputes, and the system counts the number of chargebacks and their share of the merchant's transactions over the reporting period.