The Payments Guy
Welcome to “The Payments Guy” — your ultimate guide to navigating the convoluted world of payments. Have you ever felt confused when reviewing your merchant account statement, understanding the role of payment gateways and processors, or dealing with customer disputes and chargebacks? You’re not alone! Each episode, we’re here to demystify the complex world of payments, bringing you top insights from industry experts and sharing real life payment horror stories that will help you make better informed decisions around accepting payments for your business.
Join in every other Thursday as we tackle the toughest questions and challenges in the payments space. From learning how to minimize the impact of disputes and chargebacks to exploring alternative payment solutions and ancillary services, The Payments Guy offers practical advice and solutions to help you successfully navigate the payments world. Plus, we'll feature interviews with experienced business owners and industry expert who provide valuable tips and tricks for streamlining your payments processes.
Whether you're looking to grow your business, avoid getting ripped off by your merchant services provider, or just want to understand the payments ecosystem better, “The Payments Guy” is your go-to resource.
Say goodbye to funding holds and pushy service providers —tune in and let us show you the money!
The Payments Guy
VAMP 101: Visa’s New Fraud Rules—Explained in 10 Minutes
Are chargebacks really the biggest threat to a merchant account? Not anymore. In under 10 minutes, Frank breaks down everything business owners need to know about Visa’s new Visa Acquirer Monitoring Program (VAMP)—a major policy shift that’s already impacting how merchants are evaluated. With thresholds tightening and acquiring banks under pressure, over 250,000 merchant accounts are expected to be shut down by the end of 2025. If your business processes credit card payments, this episode is a critical listen.
In this episode, these questions and topics will be covered:
- 01:20 – What the VAMP program is and why it replaces two previous Visa monitoring systems.
- 02:17 – The role of TC40 fraud reports and why they now matter just as much as chargebacks.
- 06:33 – How to calculate your fraud ratio and what the new thresholds mean for businesses.
- 07:22 – The types of merchants most at risk.
- 08:50 - The steps merchants should take to prepare for the new VAMP guidelines and how PayDiverse’s VAMP Monitoring Tool helps merchants stay compliant and avoid penalties.
Don’t wait until Visa flags or fines your account. Start monitoring your fraud metrics now. To learn more about VAMP compliance or to get visibility into TC40 reports, visit the PayDiverse website or connect with Frank Cena for personalized support.
Connect with PayDiverse:
Instagram: https://www.instagram.com/paydiverse
Website: http://www.paydiverse.com
LinkedIn: https://www.linkedin.com/in/franksena
