Reason codes / VMSS codes / VMSS 21: Excessive Fraud
VMSS code 21: Excessive Fraud
Official definition and what it means for your removal request.
Definition
The Merchant or Third Party Agent submitted excessive fraudulent transactions (US$250,000 fraud amount and 1.8 percent (180 basis points) fraud-to-sales amount ratio in any single month) into payment system, and did not adequately remediate.
What this means in plain language
Visa saw fraud dollars and fraud-to-sales ratio cross their thresholds in a month, and they did not consider remediation sufficient. It is Visa’s version of “too much fraud relative to volume,” with specific numbers in their rules.
What you can do
If you were listed under VMSS code 21, you can submit a formal removal request to the PSP or acquirer that added you. They will review your case and, if satisfied, can request removal from the VMSS list. We help you draft and submit that request. See VMSS removal and all MATCH and VMSS reason codes.