If you took a chargeback last quarter and shrugged it off, this post is for you. The rules around disputes, fraud, and merchant monitoring tightened meaningfully in late 2025 and into 2026 — and the businesses getting hurt aren't the big retailers Visa is targeting. They're small operators who didn't realize the thresholds had moved. Here's a plain-English playbook for staying off the radar in 2026. What changed: VAMP, in one paragraph VAMP — the Visa Acquirer Monitoring Prog