What is the Visa High Brand Risk Merchant Monitoring Program (HBRMMP)?

***The following copy has been extracted from Visa Core Rules and Visa Product and Service Rules (October 13, 2018).***

In the US Region: An Acquirer must monitor its High-Brand Risk Merchants. An Acquirer of a High Risk Internet Payment Facilitator must:

  • Register its High-Brand Risk Sponsored Merchants as High-Brand Risk Merchants
  • Monitor its High-Risk Internet Payment Facilitators

For its High-Brand Risk Merchants, an Acquirer must generate unusual activity reports daily, and report any unusual activity to Visa within 2 business days, if either of the following occur:

  • Current weekly gross sales volume equals or exceeds USD 5,000 and any of the following exceeds 150% of the normal daily activity:

– Number of daily Transaction Receipt Deposits

– Gross amount of daily Deposits

– Average Transaction amount

– Number of daily Disputes

  • Average elapsed time between the Transaction Date and Processing Date for a Transaction (counting each as one day) exceeds 15 calendar days