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class="framer-1s162nc" data-framer-name="Um banco para todos → Um banco para todos" data-framer-component-type="RichTextContainer" style="justify-content:center;--extracted-r6o4lv:rgb(32, 62, 122);--framer-paragraph-spacing:0px;transform:none"><p class="framer-text framer-styles-preset-1rrp2k4" data-styles-preset="ZTjLv6EPD" style="--framer-text-color:var(--extracted-r6o4lv, rgb(32, 62, 122))">Mastercard</p></div></div></div><div class="framer-833b4s" data-framer-name="Title" data-framer-component-type="RichTextContainer" style="transform:none"><h1 class="framer-text framer-styles-preset-14impke" data-styles-preset="Ld5Rtq1sC" style="--framer-text-alignment:center">What Is Mastercard GMAP? Readiness Guide for Merchants, Acquirers, PayF
458acs, and ISOs</h1></div><div class="framer-ukydm4" data-framer-name="Meta Description" data-framer-component-type="RichTextContainer" style="transform:none"><p class="framer-text framer-styles-preset-38o3ta" data-styles-preset="IrSnkMtJF" style="--framer-text-alignment:center">Learn what Mastercard GMAP is, why it matters, and how merchants, acquirers, processors, PayFacs, ISOs, and risk teams can prepare.</p></div><!--$--><div class="ssr-variant hidden-q5v06k"><a class="framer-ctf4qy framer-wy66o8" data-framer-name="Voltar" href="../blog"><div class="framer-dhh347"><div class="framer-JBSpG framer-1pcvlvv"></div></div><div class="framer-zdc7mt" data-framer-component-type="RichTextContainer" style="transform:none"><p style="--framer-text-color:var(--token-eaa56605-15e9-4e91-adff-fe3679202ded, rgb(22, 56, 92))" class="framer-text">Back</p></div></a></div><div class="ssr-variant hidden-lpsshf hidden-1v0d1rg"><a class="framer-ctf4qy framer-wy66o8" data-framer-name="Voltar" href="../blog" style="transform:translateX(-50%)"><div class="framer-dhh347"><div class="framer-JBSpG framer-1pcvlvv"></div></div><div class="framer-zdc7mt" data-framer-component-type="RichTextContainer" style="transform:none"><p style="--framer-text-color:var(--token-eaa56605-15e9-4e91-adff-fe3679202ded, rgb(22, 56, 92))" class="framer-text">Back</p></div></a></div><!--/$--></div></div><div class="framer-10nur55"><div class="ssr-variant hidden-q5v06k"><div class="framer-cxzn28" data-framer-name="Banner"><div style="position:absolute;border-radius:inherit;corner-shape:inherit;top:0;right:0;bottom:0;left:0" data-framer-background-image-wrapper="true"><img decoding="async" width="2752" height="1536" sizes="(min-width: 1200px) calc(min(100vw, 1000px) * 0.9), (min-width: 810px) and (max-width: 1199.98px) calc(min(100vw, 1000px) * 0.9), (max-width: 809.98px) 100vw" srcset="https://framerusercontent.com/images/mM63smiSa2mZ4St7og2tXPy1FI.jpg?scale-down-to=512&amp;width=2752&amp;height=1536 512w,https://framerusercontent.com/images/mM63smiSa2mZ4St7og2tXPy1FI.jpg?scale-down-to=1024&amp;width=2752&amp;height=1536 1024w,https://framerusercontent.com/images/mM63smiSa2mZ4St7og2tXPy1FI.jpg?scale-down-to=2048&amp;width=2752&amp;height=1536 2048w,https://framerusercontent.com/images/mM63smiSa2mZ4St7og2tXPy1FI.jpg?width=2752&amp;height=1536 2752w" src="https://framerusercontent.com/images/mM63smiSa2mZ4St7og2tXPy1FI.jpg?width=2752&amp;height=1536" alt style="display:block;width:100%;height:100%;border-radius:inherit;corner-shape:inherit;object-position:center;object-fit:cover"></div></div></div><div class="ssr-variant hidden-lpsshf hidden-1v0d1rg"><div class="framer-cxzn28" data-framer-name="Banner"><div style="position:absolute;border-radius:inherit;corner-shape:inherit;top:0;right:0;bottom:0;left:0" data-framer-background-image-wrapper="true"><img decoding="async" width="2752" height="1536" sizes="(min-width: 1200px) calc(min(100vw, 1000px) * 0.9), (min-width: 810px) and (max-width: 1199.98px) calc(min(100vw, 1000px) * 0.9), (max-width: 809.98px) 100vw" srcset="https://framerusercontent.com/images/mM63smiSa2mZ4St7og2tXPy1FI.jpg?scale-down-to=512&amp;width=2752&amp;height=1536 512w,https://framerusercontent.com/images/mM63smiSa2mZ4St7og2tXPy1FI.jpg?scale-down-to=1024&amp;width=2752&amp;height=1536 1024w,https://framerusercontent.com/images/mM63smiSa2mZ4St7og2tXPy1FI.jpg?scale-down-to=2048&amp;width=2752&amp;height=1536 2048w,https://framerusercontent.com/images/mM63smiSa2mZ4St7og2tXPy1FI.jpg?width=2752&amp;height=1536 2752w" src="https://framerusercontent.com/images/mM63smiSa2mZ4St7og2tXPy1FI.jpg?width=2752&amp;height=1536" alt style="display:block;width:100%;height:100%;border-radius:inherit;corner-shape:inherit;object-position:center top;object-fit:cover"></div></div></div><div class="framer-apgiiz hidden-q5v06k"></div></div><div class="framer-38cod1"><div class="framer-13nfpvw" data-border="true" data-framer-name="Menu"><div class="framer-2d7rqv"><div class="framer-1diubjs-container"><!--$--><a data-superfields="true" href="https://www.facebook.com/sharer/sharer.php?u=" target="_blank" rel="noopener noreferrer" style="display:flex;align-items:center;justify-content:center;background-color:rgba(92, 95, 237, 0);border-radius:48px;padding:9px;
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A Readiness Guide for Merchants, Acquirers, PayFacs, and ISOs</strong></h1><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Mastercard’s <strong class="framer-text">Global Merchant Audit Program</strong>, also known as <strong class="framer-text">GMAP</strong>, is expected to change how fraud, disputes, merchant performance, and portfolio exposure are monitored across the payments ecosystem.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Scheduled to begin in April 2027, GMAP represents a broader shift in how merchant risk may be evaluated. For many teams, it can be thought of as Mastercard’s <strong class="framer-text">VAMP-style move</strong> toward more structured monitoring, visibility, and accountability.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">That matters for merchants. It also matters for acquirers, processors, PayFacs, ISOs, and risk teams responsible for managing merchant portfolios.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Fraud Deflect created two GMAP readiness guides to help teams understand what is changing and what to do next:</p><ul dir="auto" class="framer-text"><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j"><strong class="framer-text">Merchant Guide</strong> — for businesses accepting card payments.</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j"><strong class="framer-text">Partner / Acquirer Guide</strong> — for acquirers, processors, PayFacs, ISOs, and portfolio risk teams.</p><p dir="auto" class="framer-text framer-styles-preset-1x70p2j"><br class="framer-text trailing-break"></p></li></ul><div class="framer-text framer-text-module" style="width:100%;height:auto" data-width="fill"><div class="ssr-variant"><!--$--><a class="framer-7R5Uz framer-146h6im framer-v-146h6im framer-1cf39mr" data-framer-name="Primary" href="https://marketing.frauddeflect.com/gmapguide" target="_blank" style="background-color:var(--token-5bfde0a9-ec57-42a7-87e4-e08900618e94, rgb(255, 255, 255));border-bottom-left-radius:10px;border-bottom-right-radius:10px;border-top-left-radius:10px;border-top-right-radius:10px"><div class="framer-1pn7yn8" data-framer-name="Label" data-framer-component-type="RichTextContainer" style="--extracted-r6o4lv:var(--token-9b820818-524b-4b72-973a-560bcc853d52, rgb(28, 46, 77));transform:none"><p dir="auto" class="framer-text" style="--font-selector:SW50ZXItQm9sZA==;--framer-font-size:13px;
458--framer-font-weight:700;--framer-line-height:1.15em;--framer-text-alignment:center;--framer-text-color:var(--extracted-r6o4lv, var(--token-9b820818-524b-4b72-973a-560bcc853d52, rgb(28, 46, 77)))">Download the guide that matches your role</p></div></a><!--/$--></div></div><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">What Is Mastercard GMAP?</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j"><strong class="framer-text">GMAP stands for Global Merchant Audit Program.</strong> It is a Mastercard merchant monitoring framework expected to affect how fraud, disputes, merchant performance, and portfolio-level exposure are reviewed.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">In simple terms, GMAP is designed to give the payments ecosystem a broader view of merchant risk.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Instead of looking at one issue in isolation, teams may need to understand how fraud activity, customer disputes, chargebacks, and merchant performance connect to overall exposure.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">For merchants, that means more attention on account-level activity.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">For acquirers, processors, PayFacs, ISOs, and portfolio teams, that means more attention on how individual merchant behavior can create broader risk across a portfolio.</p><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">When Does GMAP Start?</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Mastercard GMAP is expected to begin in <strong class="framer-text">April 2027</strong>.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">That timeline gives merchants and portfolio teams time to review their current fraud, dispute, and chargeback performance before the program takes effect.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">But preparation should not wait until 2027.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Fraud and dispute exposure can build quietly over time. By the time a merchant is flagged or a portfolio issue becomes visible, remediation may already be more difficult, expensive, and disruptive.</p><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">Why Does GMAP Matter?</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">GMAP matters because it may change how teams think about merchant monitoring.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">For merchants, GMAP may increase the importance of:</p><ul dir="auto" class="framer-text"><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">reducing avoidable disputes;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">preventing fraud before it reaches the network;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">improving customer resolution paths;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">monitoring refund and chargeback patterns;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">protecting processing account health.</p></li></ul><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">For acquirers, processors, PayFacs, ISOs, and portfolio risk teams, GMAP may increase the importance of:</p><ul dir="auto" class="framer-text"><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">identifying risky merchants earlier;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">monitoring merchant-level trends across the portfolio;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">helping merchants remediate before issues escalate;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">improving visibility into fraud and dispute exposure;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">reducing portfolio-level risk before it becomes a compliance problem.</p></li></ul><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">In short: GMAP is not only a merchant issue. It is also a portfolio visibility issue.</p><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">Is GMAP Similar to Visa VAMP?</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">GMAP is not the same program as Visa VAMP.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">However, many payments teams may understand GMAP as a <strong class="framer-text">Mastercard VAMP-style shift</strong> because both programs reflect a broader move toward integrated monitoring of fraud, disputes, and merchant risk.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">The key point is not that GMAP and VAMP are identical.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">The key point is that both programs signal the same direction: payment networks are increasing pressure on merchants and portfolio teams to reduce risk earlier, before fraud and disputes become bigger problems.</p><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">Who Needs to Prepare for GMAP?</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">GMAP is relevant for any team involved in merchant risk, fraud prevention, chargeback management, dispute resolution, or payment performance.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">That includes:</p><ul dir="auto" class="framer-text"><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">merchants accepting card payments;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">ecommerce and subscription businesses;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">acquirers;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">processors;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">PayFacs;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">ISOs;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">payment service providers;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">risk and compliance teams;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">fraud prevention teams;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">chargeback operations teams;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">portfolio risk managers.</p></li></ul><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">If your team is responsible for preventing fraud, reducing disputes, protecting merchant accounts, or managing merchant portfolios, GMAP should be on your roadmap.</p><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">Which GMAP Guide Should You Download?</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Choose the <strong class="framer-text">Merchant Guide</strong> if you are a business accepting card payments and want to understand how GMAP may affect your fraud, dispute, and merchant performance exposure.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Choose the <strong class="framer-text">Partner / Acquirer Guide</strong> if you manage merchant portfolios, processing relationships, PayFac exposure, ISO relationships, risk operations, or compliance programs.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">If both apply, you can download both guides by completing the form once for each role.</p><p dir="auto" class="framer-text framer-styles-preset-1x70p2j"><br class="framer-text trailing-break"></p><div class="framer-text framer-text-module" style="width:100%;height:auto" data-width="fill"><div class="ssr-variant"><!--$--><a class="framer-7R5Uz framer-146h6im framer-v-146h6im framer-1cf39mr" data-framer-name="Primary" href="https://marketing.frauddeflect.com/gmapguide" target="_blank" style="background-color:var(--token-5bfde0a9-ec57-42a7-87e4-e08900618e94, rgb(255, 255, 255));border-bottom-left-radius:10px;border-bottom-right-radius:10px;border-top-left-radius:10px;border-top-right-radius:10px"><div class="framer-1pn7yn8" data-framer-name="Label" data-framer-component-type="RichTextContainer" style="--extracted-r6o4lv:var(--token-9b820818-524b-4b72-973a-560bcc853d52, rgb(28, 46, 77));transform:none"><p dir="auto" class="framer-text" style="--font-selector:SW50ZXItQm9sZA==;--framer-font-size:13px;
458--framer-font-weight:700;--framer-line-height:1.15em;--framer-text-alignment:center;--framer-text-color:var(--extracted-r6o4lv, var(--token-9b820818-524b-4b72-973a-560bcc853d52, rgb(28, 46, 77)))">Download the GMAP guide that matches your role</p></div></a><!--/$--></div></div><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">What Merchants Should Review Before GMAP</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Merchants should start by reviewing the activity that can lead to fraud, disputes, chargebacks, and account-level performance issues.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Key areas to review include:</p><ul dir="auto" class="framer-text"><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">fraud rates and fraud patterns;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">dispute and chargeback volume;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">refund behavior;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">customer service response times;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">unclear billing descriptors;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">subscription cancellation flows;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">fulfillment and delivery issues;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">product or service mismatch complaints;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">high-risk traffic sources;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">recurring customer complaint themes.</p></li></ul><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">The goal is to reduce preventable disputes and fraud before they become reportable problems.</p><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">What Acquirers, Processors, PayFacs, and ISOs Should Review Before GMAP</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Portfolio teams should prepare by improving visibility into merchant-level activity.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Key areas to review include:</p><ul dir="auto" class="framer-text"><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">merchants with rising fraud or dispute trends;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">sub-merchants creating disproportionate exposure;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">merchant categories with higher chargeback risk;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">onboarding and underwriting criteria;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">remediation workflows;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">fraud and dispute reporting processes;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">portfolio segmentation by risk level;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">communication plans for affected merchants;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">escalation paths for merchants approaching monitoring thresholds.</p></li></ul><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">The goal is to identify risk earlier and help merchants take action before exposure becomes harder to manage.</p><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">How Fraud Deflect Helps Teams Prepare for GMAP</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Fraud Deflect helps merchants and portfolio teams reduce fraud and dispute exposure upstream.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">That means helping teams act before problems become chargebacks, monitoring events, or account health issues.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Fraud Deflect supports GMAP readiness by helping teams:</p><ul dir="auto" class="framer-text"><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">block fraud before it creates downstream exposure;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">deflect avoidable disputes before they become chargebacks;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">identify merchant-level risk signals;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">improve visibility into dispute and fraud patterns;</p></li><li data-preset-tag="p" class="framer-text framer-styles-preset-1x70p2j"><p dir="auto" class="framer-text framer-styles-preset-1x70p2j">support acquirers, processors, PayFacs, ISOs, and merchants with practical remediation strategies.</p></li></ul><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">GMAP preparation starts with understanding where risk is coming from. Fraud Deflect helps teams reduce that risk before it escalates.</p><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">Download the GMAP Readiness Guide</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">GMAP is expected to begin in April 2027. Now is the time to understand what is changing, how it may affect your role, and what your team should review next.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Fraud Deflect created two readiness guides:</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j"><strong class="framer-text">Merchant Guide</strong><br class="framer-text"> For businesses accepting card payments.</p><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j"><strong class="framer-text">Partner / Acquirer Guide</strong><br class="framer-text"> For acquirers, processors, PayFacs, ISOs, and portfolio risk teams.</p><div class="framer-text framer-text-module" style="width:100%;height:auto" data-width="fill"><div class="ssr-variant"><!--$--><a class="framer-7R5Uz framer-146h6im framer-v-146h6im framer-1cf39mr" data-framer-name="Primary" href="https://marketing.frauddeflect.com/gmapguide" target="_blank" style="background-color:var(--token-5bfde0a9-ec57-42a7-87e4-e08900618e94, rgb(255, 255, 255));border-bottom-left-radius:10px;border-bottom-right-radius:10px;border-top-left-radius:10px;border-top-right-radius:10px"><div class="framer-1pn7yn8" data-framer-name="Label" data-framer-component-type="RichTextContainer" style="--extracted-r6o4lv:var(--token-9b820818-524b-4b72-973a-560bcc853d52, rgb(28, 46, 77));transform:none"><p dir="auto" class="framer-text" style="--font-selector:SW50ZXItQm9sZA==;--framer-font-size:13px;
458--framer-font-weight:700;--framer-line-height:1.15em;--framer-text-alignment:center;--framer-text-color:var(--extracted-r6o4lv, var(--token-9b820818-524b-4b72-973a-560bcc853d52, rgb(28, 46, 77)))">Download the guide that matches your role</p></div></a><!--/$--></div></div><h1 dir="ltr" class="framer-text framer-styles-preset-14impke"><br class="framer-text trailing-break"></h1><h1 dir="ltr" class="framer-text framer-styles-preset-14impke"><strong class="framer-text">FAQ</strong></h1><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">What does GMAP stand for?</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">GMAP stands for <strong class="framer-text">Global Merchant Audit Program</strong>. It is a Mastercard merchant monitoring program expected to affect how fraud, disputes, merchant performance, and portfolio exposure are reviewed.</p><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">When does Mastercard GMAP begin?</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Mastercard GMAP is expected to begin in <strong class="framer-text">April 2027</strong>.</p><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">Who should prepare for GMAP?</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Merchants, acquirers, processors, PayFacs, ISOs, payment service providers, fraud teams, chargeback teams, compliance teams, and portfolio risk teams should prepare for GMAP.</p><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">Is GMAP only for merchants?</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">No. GMAP matters for merchants, but it also matters for acquirers, processors, PayFacs, ISOs, and portfolio teams that manage merchant-level risk.</p><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">Is GMAP the same as Visa VAMP?</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">No. GMAP and Visa VAMP are separate programs. However, GMAP can be understood as a Mastercard VAMP-style shift because it reflects broader monitoring of fraud, disputes, and merchant risk.</p><h3 dir="ltr" class="framer-text framer-styles-preset-1gggb1s">Which GMAP guide should I download?</h3><p dir="ltr" class="framer-text framer-styles-preset-1x70p2j">Download the <strong class="framer-text">Merchant Guide</strong> if you accept card payments as a business. Download the <strong class="framer-text">Partner / Acquirer Guide</strong> if you manage merchant portfolios, processing relationships, PayFac exposure, ISO relationships, or risk operations.</p><p dir="auto" class="framer-text framer-styles-preset-1x70p2j"><br class="framer-text"><br class="framer-text trailing-break"></p></div><div class="framer-1u6l1ne"><!--$--><div class="ssr-variant"><div class="framer-1jz4z8o-container"><!--$--><a class="framer-svRtg framer-9ev2xv framer-v-ccbfh7 framer-144brvx" data-framer-name="Inativo" style="opacity:0.5"><div class="framer-84j3hu" style="background-color:rgb(217, 217, 217);border-bottom-left-radius:40px;border-bottom-right-radius:40px;border-top-left-radius:40px;border-top-right-radius:40px"><div class="framer-JBSpG framer-96itbl" style="--21h8s6:rgb(0, 0, 0);opacity:0.3"></div></div><div class="framer-25u16n" data-framer-component-type="RichTextContainer" style="--extracted-r6o4lv:rgb(217, 217, 217);--framer-link-text-color:rgb(0, 153, 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sans-serif;--framer-font-size:20px;--framer-letter-spacing:-0.04em;--framer-line-height:130%;--framer-text-color:var(--extracted-a0htzi, var(--token-eaa56605-15e9-4e91-adff-fe3679202ded, rgb(22, 56, 92)))">Mastercard Scam Merchant Monitoring Program: What Merchants Need to Know Before July 24, 2026</h3></div><!--/$--></div></a><!--/$--></div></div><!--/$--><!--$--><div class="ssr-variant"><div class="framer-12jr5xo-container"><!--$--><a class="framer-F6bBn framer-dbuuA framer-1162mdp framer-v-di5r7e framer-97w68f" data-framer-name="Card P" href="./visa-lowers-vamp-threshold-copy" style="width:100%"><!--$--><div class="framer-2dijry" loading="lazy" draggable="false" style="border-bottom-left-radius:12px;border-bottom-right-radius:12px;border-top-left-radius:12px;border-top-right-radius:12px"><div style="position:absolute;border-radius:inherit;corner-shape:inherit;top:0;right:0;bottom:0;left:0" data-framer-background-image-wrapper="true"><img decoding="async" loading="lazy" width="1024" 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458iv><!--/$--><div class="framer-uiapib" data-framer-name="Title"><div class="framer-12h4rfs-container"><div class="framer-8OmnW framer-BCsYZ framer-4u8ys3 framer-v-4u8ys3" data-border="true" data-framer-name="Variant 1" style="--1xuqffl:8px 16px 8px 16px;--border-bottom-width:1px;--border-color:rgb(173, 187, 204);--border-left-width:1px;--border-right-width:1px;--border-style:solid;--border-top-width:1px;background-color:rgb(236, 240, 248);border-bottom-left-radius:900px;border-bottom-right-radius:900px;border-top-left-radius:900px;border-top-right-radius:900px"><div class="framer-1s162nc" data-framer-name="Um banco para todos → Um banco para todos" data-framer-component-type="RichTextContainer" style="justify-content:center;--extracted-r6o4lv:rgb(32, 62, 122);--framer-paragraph-spacing:0px;transform:none"><p class="framer-text framer-styles-preset-1rrp2k4" data-styles-preset="ZTjLv6EPD" style="--framer-text-color:var(--extracted-r6o4lv, rgb(32, 62, 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framer-v-4u8ys3" data-border="true" data-framer-name="Variant 1" style="--1xuqffl:8px 16px 8px 16px;--border-bottom-width:1px;--border-color:rgb(173, 187, 204);--border-left-width:1px;--border-right-width:1px;--border-style:solid;--border-top-width:1px;background-color:rgb(236, 240, 248);border-bottom-left-radius:900px;border-bottom-right-radius:900px;border-top-left-radius:900px;border-top-right-radius:900px"><div class="framer-1s162nc" data-framer-name="Um banco para todos → Um banco para todos" data-framer-component-type="RichTextContainer" style="justify-content:center;--extracted-r6o4lv:rgb(32, 62, 122);--framer-paragraph-spacing:0px;transform:none"><p class="framer-text framer-styles-preset-1rrp2k4" data-styles-preset="ZTjLv6EPD" style="--framer-text-color:var(--extracted-r6o4lv, rgb(32, 62, 122))">VAMP</p></div></div></div><!--$--><div class="framer-vunmyj" data-framer-name="Lines: 1" data-framer-component-type="RichTextContainer" style="--extracted-a0htzi:var(--token-eaa56605-15e9-4e91-adff-fe3679202ded, rgb(22, 56, 92));--framer-link-text-color:rgb(0, 153, 255);--framer-link-text-decoration:underline;display:-webkit-box;-webkit-line-clamp:1;-webkit-box-orient:vertical;overflow:hidden;text-overflow:ellipsis;transform:none"><h3 class="framer-text" style="--font-selector:R0Y7RmlndHJlZS1yZWd1bGFy;--framer-font-family:&quot;Figtree&quot;, &quot;Figtree Placeholder&quot;, sans-serif;--framer-font-size:20px;--framer-letter-spacing:-0.04em;--framer-line-height:130%;--framer-text-color:var(--extracted-a0htzi, var(--token-eaa56605-15e9-4e91-adff-fe3679202ded, rgb(22, 56, 92)))">Visa Lowers VAMP Threshold to 1.5% </h3></div><!--/$--></div></a><!--/$--></div></div><!--/$--><!--$--><div class="ssr-variant"><div class="framer-12jr5xo-container"><!--$--><a class="framer-F6bBn framer-dbuuA framer-1162mdp framer-v-di5r7e framer-97w68f" data-framer-name="Card P" href="./vamp-merchant-risk" style="width:100%"><!--$--><div 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465,[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[4,\"strong\",null,[5,\"Merchant Guide\"]],[5,\" — for businesses accepting card payments.\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[4,\"strong\",null,[5,\"Partner / Acquirer Guide\"]],[5,\" — for acquirers, processors, PayFacs, ISOs, and portfolio risk teams.\"]],[4,\"p\",{\"dir\":\"auto\"},[4,\"br\",{\"className\":\"trailing-break\"}]]]],[4,\"div\",{\"className\":\"framer-text-module\",\"style\":{\"width\":\"100%\",\"height\":\"auto\"},\"data-width\":\"fill\"},[3,\"local-module:canvasComponent/Wdk7ggHEW:default\",{\"FRC_OEQ3Y\":\"Download the guide that matches your role\",\"YDCOFoHIJ\":\"https://marketing.frauddeflect.com/gmapguide\"},{}]],[4,\"h3\",{\"dir\":\"ltr\"},[5,\"What Is Mastercard GMAP?\"]],[4,\"p\",{\"dir\":\"ltr\"},[4,\"strong\",null,[5,\"GMAP stands for Global Merchant Audit Program.\"]],[5,\" It is a Mastercard merchant monitoring framework expected to affect how fraud, disputes, merchant performance, and portfolio-level exposure are reviewed.\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"In simple terms, GMAP is designed to give the payments ecosystem a broader view of merchant risk.\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"Instead of looking at one issue in isolation, teams may need to understand how fraud activity, customer disputes, chargebacks, and merchant performance connect to overall exposure.\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"For merchants, that means more attention on account-level activity.\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"For acquirers, processors, PayFacs, ISOs, and portfolio teams, that means more attention on how individual merchant behavior can create broader risk across a portfolio.\"]],[4,\"h3\",{\"dir\":\"ltr\"},[5,\"When Does GMAP Start?\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"Mastercard GMAP is expected to begin in \"],[4,\"strong\",null,[5,\"April 2027\"]],[5,\".\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"That timeline gives merchants and portfolio teams time to review their current fraud, dispute, and chargeback performance before the program takes effect.\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"But preparation should not wait until 2027.\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"Fraud and dispute exposure can build quietly over time. By the time a merchant is flagged or a portfolio issue becomes visible, remediation may already be more difficult, expensive, and disruptive.\"]],[4,\"h3\",{\"dir\":\"ltr\"},[5,\"Why Does GMAP Matter?\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"GMAP matters because it may change how teams think about merchant monitoring.\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"For merchants, GMAP may increase the importance of:\"]],[4,\"ul\",{\"dir\":\"auto\"},[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"reducing avoidable disputes;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"preventing fraud before it reaches the network;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"improving customer resolution paths;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"monitoring refund and chargeback patterns;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"protecting processing account health.\"]]]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"For acquirers, processors, PayFacs, ISOs, and portfolio risk teams, GMAP may increase the importance of:\"]],[4,\"ul\",{\"dir\":\"auto\"},[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"identifying risky merchants earlier;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"monitoring merchant-level trends across the portfolio;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"helping merchants remediate before issues escalate;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"improving visibility into fraud and dispute exposure;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"reducing portfolio-level risk before it becomes a compliance problem.\"]]]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"In short: GMAP is not only a merchant issue. It is also a portfolio visibility issue.\"]],[4,\"h3\",{\"dir\":\"ltr\"},[5,\"Is GMAP Similar to Visa VAMP?\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"GMAP is not the same program as Visa VAMP.\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"However, many payments teams may understand GMAP as a \"],[4,\"strong\",null,[5,\"Mastercard VAMP-style shift\"]],[5,\" because both programs reflect a broader move toward integrated monitoring of fraud, disputes, and merchant risk.\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"The key point is not that GMAP and VAMP are identical.\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"The key point is that both programs signal the same direction: payment networks are increasing pressure on merchants and portfolio teams to reduce risk earlier, before fraud and disputes become bigger problems.\"]],[4,\"h3\",{\"dir\":\"ltr\"},[5,\"Who Needs to Prepare for GMAP?\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"GMAP is relevant for any team involved in merchant risk, fraud prevention, chargeback management, dispute resolution, or payment performance.\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"That includes:\"]],[4,\"ul\",{\"dir\":\"auto\"}
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465,[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"merchants with rising fraud or dispute trends;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"sub-merchants creating disproportionate exposure;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"merchant categories with higher chargeback risk;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"onboarding and underwriting criteria;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"remediation workflows;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"fraud and dispute reporting processes;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"portfolio segmentation by risk level;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"communication plans for affected merchants;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"escalation paths for merchants approaching monitoring thresholds.\"]]]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"The goal is to identify risk earlier and help merchants take action before exposure becomes harder to manage.\"]],[4,\"h3\",{\"dir\":\"ltr\"},[5,\"How Fraud Deflect Helps Teams Prepare for GMAP\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"Fraud Deflect helps merchants and portfolio teams reduce fraud and dispute exposure upstream.\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"That means helping teams act before problems become chargebacks, monitoring events, or account health issues.\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"Fraud Deflect supports GMAP readiness by helping teams:\"]],[4,\"ul\",{\"dir\":\"auto\"},[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"block fraud before it creates downstream exposure;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"deflect avoidable disputes before they become chargebacks;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"identify merchant-level risk signals;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"improve visibility into dispute and fraud patterns;\"]]],[4,\"li\",{\"data-preset-tag\":\"p\"},[4,\"p\",{\"dir\":\"auto\"},[5,\"support acquirers, processors, PayFacs, ISOs, and merchants with practical remediation strategies.\"]]]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"GMAP preparation starts with understanding where risk is coming from. 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Now is the time to understand what is changing, how it may affect your role, and what your team should review next.\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"Fraud Deflect created two readiness guides:\"]],[4,\"p\",{\"dir\":\"ltr\"},[4,\"strong\",null,[5,\"Merchant Guide\"]],[4,\"br\",null],[5,\" For businesses accepting card payments.\"]],[4,\"p\",{\"dir\":\"ltr\"},[4,\"strong\",null,[5,\"Partner / Acquirer Guide\"]],[4,\"br\",null],[5,\" For acquirers, processors, PayFacs, ISOs, and portfolio risk teams.\"]],[4,\"div\",{\"className\":\"framer-text-module\",\"style\":{\"width\":\"100%\",\"height\":\"auto\"},\"data-width\":\"fill\"},[3,\"local-module:canvasComponent/Wdk7ggHEW:default\",{\"FRC_OEQ3Y\":\"Download the guide that matches your role\",\"YDCOFoHIJ\":\"https://marketing.frauddeflect.com/gmapguide\"},{}]],[4,\"h1\",{\"dir\":\"ltr\"},[4,\"br\",{\"className\":\"trailing-break\"}]],[4,\"h1\",{\"dir\":\"ltr\"},[4,\"strong\",null,[5,\"FAQ\"]]],[4,\"h3\",{\"dir\":\"ltr\"},[5,\"What does GMAP stand for?\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"GMAP stands for \"],[4,\"strong\",null,[5,\"Global Merchant Audit Program\"]],[5,\". It is a Mastercard merchant monitoring program expected to affect how fraud, disputes, merchant performance, and portfolio exposure are reviewed.\"]],[4,\"h3\",{\"dir\":\"ltr\"},[5,\"When does Mastercard GMAP begin?\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"Mastercard GMAP is expected to begin in \"],[4,\"strong\",null,[5,\"April 2027\"]],[5,\".\"]],[4,\"h3\",{\"dir\":\"ltr\"},[5,\"Who should prepare for GMAP?\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"Merchants, acquirers, processors, PayFacs, ISOs, payment service providers, fraud teams, chargeback teams, compliance teams, and portfolio risk teams should prepare for GMAP.\"]],[4,\"h3\",{\"dir\":\"ltr\"},[5,\"Is GMAP only for merchants?\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"No. GMAP matters for merchants, but it also matters for acquirers, processors, PayFacs, ISOs, and portfolio teams that manage merchant-level risk.\"]],[4,\"h3\",{\"dir\":\"ltr\"},[5,\"Is GMAP the same as Visa VAMP?\"]],[4,\"p\",{\"dir\":\"ltr\"},[5,\"No. GMAP and Visa VAMP are separate programs. 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Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.