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Podcast: Fraudology Podcast with Karisse Hendrick
Episode: VAMP at 2.2%: What No One Told Merchants
Description: Fraudology is presented by Sardine. Request a 1:1 product demo at sardine.ai In this investigative update, Fraudology breaks down Visa’s VAMP rollout and its immediate effects on merchants and acquirers. Topics include why some September activity is already being fined; how VAMP now combines TC40 fraud alerts and chargebacks; the $8-per-instance fee (and $16 exposure when a TC40 becomes a chargeback); descriptor-level monitoring; processor-specific ratios; and the acquirer portfolio thresholds (0.7% now; 0.5% in April 2026).Listeners get practical guidance: validate descriptors to avoid “borrowed” fraud, reconcile TC40s against refunds to prevent double counting, consider contract addendums with f...