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Demystifying the CE3.0-VAMP Connection

Fraud
Payments
3D Secure
Justt
Sep 14, 2026
Webinars

The Visa Acquirer Monitoring Program (VAMP) has changed the math for card-not-present merchants. By combining fraud reports (TC40s) and disputes (TC15s) into a single, count-based ratio, VAMP means a single fraudulent transaction can count against you twice, and tightening thresholds leave far less room for error. At the same time, Visa Compelling Evidence 3.0 (CE3.0) gives merchants a powerful lever: qualifying fraud can be excluded from the VAMP ratio entirely, and recent updates extend that protection to fraud reports that never become chargebacks. The objective of this session is to demystify how CE3.0 and VAMP work together, explain what does and does not count toward your ratio, and help your organization build a data-driven strategy to fight first-party misuse, reduce monitoring program risk, and protect revenue.


Learning Objectives:

  • Understand how the VAMP ratio is calculated and why fraud-related chargebacks can count against merchants twice
  • Identify CE3.0 eligibility requirements, including the transaction history and matching data elements needed to qualify
  • Recognize which dispute resolution tools remove events from the VAMP ratio and which only recover revenue
  • Apply practical steps to capture and store the device, IP, and account data needed to make CE3.0 work at scale

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