A practical compliance reference for subscription and recurring billing merchants navigating current and upcoming card scheme requirements from Visa and Mastercard.

This is not a general overview.

It is a working reference and action checklist designed for payments, finance, and compliance teams who need to assess their current setup against live scheme requirements before pressure arrives.

It covers what changed under VAMP and the revised Mastercard Merchant Monitoring Program, and the eight actions merchants need to have in place now. Each checklist item carries scheme-specific attribution so your team knows exactly which program requires it.

Use it internally to identify gaps in billing transparency, dispute management, acquirer communication, and pre-dispute infrastructure.

* The guidance within the guide is based on information and data available in Q1 2026.