What happens with fines at the Excessive level in Visa Fraud Monitoring Program?

• A. Fines start in 1-3 months at 10K, rising to 75K+, with possible disqualification; issuers should raise fraudulent disputes on 3DS transactions.
• B. Fines begin after 6 months with a flat 5K.
• C. No fines apply, only monitoring.
• D. Fines start immediately at 50K.

Answer: (A)

At this level, penalties are financial and escalate quickly to push issuers to curb fraud. Fines begin within one to three months at about 10,000, and if the issue persists or worsens, the penalties rise to 75,000 or more, with the possibility of disqualification from the program. This setup encourages prompt remediation and stronger fraud controls, rather than letting the problem linger. The recommended action is for issuers to actively raise fraudulent disputes on 3DS transactions, helping to identify and contest the fraud and demonstrate corrective steps. This escalating, time-based approach is why the described schedule is the best fit, unlike options that imply no fines, a flat later fine, or an immediate large fine.