Visa implemented the Visa Acquirer Monitoring Program (VAMP) replacing legacy dispute programs, combining fraud and disputes into a single metric and reducing European excessive thresholds to 1.5%...

{
  "signal_id": "ef1f0949-c510-5dea-a6f4-103fe8c06ff2",
  "signal_type": "reddit-company",
  "signal_subtype": "productChange",
  "detected_at": "2026-10-22T07:51:21+00:00",
  "company": {
    "name": "Visa",
    "domain": "visa.com"
  },
  "data": {
    "nsfw": false,
    "stage": "confirmed",
    "awards": 0,
    "timing": "completed",
    "topics": [
      "payments",
      "compliance",
      "fraud",
      "disputes"
    ],
    "post_id": "1xccd8y",
    "summary": "Visa implemented the Visa Acquirer Monitoring Program (VAMP) replacing legacy dispute programs, combining fraud and disputes into a single metric and reducing European excessive thresholds to 1.5% in April 2026.",
    "category": "policy_change",
    "evidence": [
      "[post] Visa’s VAMP replaced the old dispute and fraud programmes, and it counts fraud reports and disputes together in one ratio.",
      "[post] From April 2026 the merchant “excessive” threshold in Europe dropped from 2.2% to 1.5%."
    ],
    "virality": "low",
    "post_date": "2026-10-22T07:51:21.000Z",
    "post_kind": "text",
    "post_text": "I’m launching a supplement brand in Germany and over the last two months I’ve spoken with about 17 payment providers and acquirers, and I keep hitting the same wall.\n\nWhat I’ve learned about how this year changed things:\n\nVisa’s VAMP replaced the old dispute and fraud programmes, and it counts fraud reports and disputes together in one ratio.\n\nFrom April 2026 the merchant “excessive” threshold in Europe dropped from 2.2% to 1.5%.\n\nMore importantly, acquirers are now measured on their whole portfolio (around 0.5% / 0.7%). So they’ve become very selective about who they onboard, especially nutra and anything with recurring billing.\n\nSeveral told me their internal limits are stricter than Visa’s anyway.\n\nMy situation:\n\nSeveral declined outright: the reason was “no processing history” or “no recurring for new nutra”.\n\nOne gave a written offer: they’ve since changed their acceptance policy, and subscriptions are now in question.\n\nAn orchestrator couldn’t find an acquirer to match.\n\nOne-time payments are fine: PayPal is live, and some acquirers will do one-time cards only.\n\nQuestions for people who’ve been through this:\n\nIs “no subscriptions without 3–6 months of history” basically universal now, or did you find acquirers that onboard new recurring merchants (even at high-risk pricing)?\n\nDid you start one-time only and switch subscriptions on later? How long did it take, and what...",
    "sentiment": "negative",
    "subreddit": "ecommerce",
    "event_date": "2026-04",
    "post_flair": [
      "📊 Business"
    ],
    "post_title": "VAMP changed the game, and no PSP will touch subscriptions without history. Is this universal?",
    "prominence": "core",
    "source_url": "https://www.reddit.com/r/ecommerce/comments/1xccd8y/vamp_changed_the_game_and_no_psp_will_touch/",
    "entity_role": "subject",
    "post_author": "ealker",
    "upvote_ratio": 1,
    "mention_count": 1,
    "mention_surge": false,
    "subreddit_url": "https://www.reddit.com/r/ecommerce/",
    "total_upvotes": 6,
    "comments_total": 4,
    "total_comments": 4,
    "event_date_text": "From April 2026",
    "post_author_url": "https://www.reddit.com/user/ealker/",
    "signal_category": "event",
    "comments_included": 0,
    "products_mentioned": [
      "VAMP"
    ]
  }
}

curl https://signals.autobound.ai/v1/signals/ef1f0949-c510-5dea-a6f4-103fe8c06ff2 \
  -H "X-API-KEY: $AUTOBOUND_API_KEY"

curl -X POST https://signals.autobound.ai/v1/companies/enrich \
  -H "X-API-KEY: $AUTOBOUND_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"domain":"visa.com","limit":20}'