Does your business operate in a high-risk industry? If so, you’re already aware that you’re facing higher chargeback rates, increased regulatory scrutiny, and a greater risk of fraudulent activity. As a result, traditional payment processors are likely to exercise caution serving merchants in these industries, forcing them to seek specialized processing solutions.

The Visa Integrity Risk Program (VIRP) plays a key role in this process. Read on to learn more about this program, how it affects you, and what you need to do to stay compliant in 2026!

What is the Visa Integrity Risk Program (VIRP)?

VIRP went into effect in April 2024, replacing the earlier Visa Global Brand Protection Program. The main purpose of this program is to crack down on bad actors in high-risk industries, such as crypto, gambling, and adult content industries. In an effort to do so, VIRP introduced new regulatory requirements, such as content moderation, age verification, and more.

Though VIRP makes high-risk payments more challenging, it can benefit merchants as well. By preventing fraud and reducing payment risk, VIRP helps businesses combat chargebacks and similar payment disputes.

Tier Levels for High- Risk Merchants

Under VIRP, high-risk merchants are separated into three risk tiers. Understanding which tier your business qualifies for is essential for ensuring compliance. Here’s a quick overview:

Tier I

Tier I merchants face the highest risk level under VIRP. Acquirers working with them must undergo mandatory assessments for each merchant category code (MCC). These merchants are subject to higher fees, ongoing audits, and strict compliance. Tier I industries are:

• Adult content (MCC 5967)
• Dating services (7273)
• Online pharmacies (5122, 5912)
• Gambling (7995)

Tier II

Tier II businesses require assessments at the tier level, not per MCC. Though less stringent than Tier I, Tier II still involves annual reviews and enhanced due diligence. Tier II industries are:

• Crypto (6012, 6051)
• Cyberlockers (4816)
• Skill gaming (5816)

Tier III

Tier III merchants are classified under moderate risk. Assessments aren’t required by default, but Visa may ask for them at any time. Tier III merchants must still fully comply with VIRP rules, including age verification and transaction monitoring. These industries include:

• Tobacco (5993)
• Telemarketing (5966)
• Negative option billing (5968)

The Role of Payment Processors

Your payment processor is instrumental in managing VIRP’s compliance requirements and the higher fees that come with them. As such, it’s important to choose a processor that understands the new regulations. They should have the resources and experience necessary to help you mitigate your costs and ensure your business remains compliant with VIRP.

Also, keep in mind that VIRP is an evolving program. Keep tabs on your MCC’s classification and train your employees on VIRP requirements and compliance procedures. Regular training updates are crucial for adhering to program standards across your business.

Navigating the Visa Integrity Risk Program doesn’t have to be overwhelming, but having the right payment partner is essential. Compliance, monitoring, and risk mitigation all play a critical role in protecting your revenue and keeping your business operational. At MONA Payment Solutions, we specialize in supporting high-risk merchants with compliant, reliable processing solutions tailored to evolving regulations like VIRP. Contact our team today to review your current setup and ensure your business is protected, compliant, and positioned for long-term success.