With the upcoming launch of Visa's new Monitoring Program on April 1, 2025, all parties must prepare in advance to comply with the new thresholds and monitor the updated fraud ratio. To effectively do so, it is necessary to gather all data included in Visa’s calculation formula:
VAMP = (TC40 + TC15 Non-Fraud - CE3.0) / Transactions Count
Below are detailed instructions on how to obtain the required data from the Maxpay portal.
TC40
TC40 fraud alerts can be found in the Fraud Alert Report by applying the following filters:
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Alert Date: Set the date range for the calculation period.
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Source: Select the acquirer's name for which the ratio is calculated.
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Card Brand: Choose “Visa”.
TC15
TC15 disputes can be retrieved from the Chargeback Alert Report using the following filters:
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Chargeback Date: Set the date range for the calculation period.
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Chargeback Reason Code: Exclude all fraud disputes by selecting “does not begin with 10”.
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Chargeback Type: Select “First Chargeback” to include only the first stage of any chargeback cycle.
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Card Brand: Choose “Visa”.
Important Note: For merchants with multiple acquiring partners, ensure you apply the acquirer’s name as a filter in TC15 data search. The VAMP ratio is calculated separately for each acquirer. All settled transactions may be found in Summary Report.
Using the Reports: You can download the data from these reports for analysis and calculation. Saving report drafts will enable easier ongoing monitoring.
If your current Maxpay portal role does not grant access to these reports, please contact your portal owner to adjust permissions via the Account – Team Members section.
For any additional assistance, feel free to reach out to support@maxpay.com.