Mastercard Global Merchant Audit Program (GMAP)

From April 1, 2027, Mastercard will replace its Acquirer Chargeback Monitoring Program (ACMP) with the new Global Merchant Audit Program (GMAP). 

Like the Visa Acquirer Monitoring Program (VAMP), the GMAP will focus on combined fraud and chargeback monitoring for acquirers and merchants, with stricter chargeback thresholds. Monitoring will also move to the sub-merchant level, instead of at the Merchant ID level – an important change for payment facilitators and other merchants that use sub-entities.

What are the programs under the GMAP?

The GMAP creates two merchant monitoring programs – the High and Excessive Dispute Merchant Programs (HDM and EDM). Where a merchant is identified under the EDM program for more than two months, the merchant is liable for all fraudulent chargebacks associated with transactions occurring during the three months before identification, and fraudulent transactions occurring for the following six months.

In addition, GMAP will begin measuring acquirers’ dispute and fraud ratios, with assessments applying at a tiered level based on the months the acquirer falls under the High or Excessive Dispute Acquirer Programs.

What are the GMAP fraud and dispute ratios?

Checkout.com is currently assessing the GMAP. We wanted to let you know about this change as soon as possible, and we’ll be in touch in the coming months with detailed information, including supporting documentation outlining the merchant and acquirer-level thresholds.

What do merchants need to do to prepare?

Just like with the introduction of VAMP, the GMAP program further elevated the importance of managing disputes and fraud. Checkout.com gives you the tools to do just that, with an extensive range of AI, rule-based and expert-supported solutions.

If you need help with getting your fraud and dispute ratios under control and would like to find out how our products can help, contact your Account Manager or raise a support request.

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