Merchant services
Visa Merchant Performance Program
The Visa Merchant Performance Program (VMPP) monitors chargeback and fraud levels across the card schemes. If your ratios breach Visa's thresholds, you face escalating fees, reserve requirements or, ultimately, the loss of card acceptance — as a standalone service, we get you out of the program and keep you out. We diagnose why your chargeback-to-transaction and fraud ratios are where they are, then build the remediation plan Visa's auditors expect to see — and stay alongside you until you exit the program cleanly.
Who this is for
Merchants needing help with the Visa Merchant Performance Program, including businesses facing escalating fees, reserve requirements or concerns about continued card acceptance.
How it works
01
Review the notice
We check the acquirer's notice, applicable programme, reporting period and any required actions or deadlines.
02
Find the causes
We review payment, fraud and dispute data alongside your customer journey to identify what is driving the problem.
03
Build a practical plan
We agree actions covering fraud tools, customer communications, refunds and dispute handling, matched to the issues found.
04
Coordinate with the acquirer
We help prepare the plan, evidence and reporting your acquirer requests, and coordinate responses to its questions.
05
Monitor progress
We track results and adjust the controls, with the acquirer confirming your monitoring status and any further requirements.
FAQ
Your questions, answered.
- What do you need from me to get started?
- Recent processing statements, any programme correspondence and a short call to understand your business. We confirm which additional records are needed after reviewing the information.
- Can you help prepare the remediation plan?
- Yes. We diagnose the issues, build a practical plan and help prepare the supporting evidence and reporting requested by your acquirer.
- Can you guarantee that I will leave the programme?
- No. Your status depends on the applicable requirements and your results, and your acquirer confirms the outcome. We help identify the causes, implement a remediation plan and monitor progress without promising an exit.
- Do I need to change payment provider?
- Not necessarily. Changing provider does not by itself resolve the underlying fraud or dispute problems. We first assess your controls and your acquirer's requirements, then discuss provider options if they are relevant.