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The new GMAP framework
Understand how Mastercard is changing fraud and dispute monitoring.
Mastercard GMAP Readiness Guides
Get Ready for Mastercard's Global Merchant Audit Program (GMAP)!
Starting in April 2027, GMAP will change how fraud, disputes, merchant performance, and portfolio exposure are monitored. Whether you are protecting a merchant account or managing portfolio-level risk, these guides will help you understand what's changing and what to do next.
Choose either the Merchant Guide or the Partner / Acquirer Guide after submitting the form.
Free GMAP Resource
One page. Two guides.
Choose the resource that matches your role.
01Merchant Guide
02Acquirer Guide
Inside the guides
Inside the GMAP Readiness Guides
Each guide is tailored to a different audience, but both are built around the same goal: helping you understand GMAP exposure before it becomes an audit, assessment, or processing issue.
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Merchant and acquirer thresholds
Learn how new merchant-level and acquirer-level categories may affect your risk exposure.
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QMAP enhancements
See how the investigation track is becoming faster, broader, and more relevant to smaller-dollar activity.
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Audit and assessment mechanics
Understand what happens when an account or portfolio crosses a threshold.
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Readiness planning
Use the preview window to identify risk, request data, and build a prevention strategy before enforcement begins.
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Fraud Deflect’s role
See how upstream fraud prevention, issuer collaboration, alerts, and dispute resolution help reduce GMAP exposure before it becomes a reported problem.
Choose the right resource
Choose the GMAP Guide That Matches Your Role
GMAP affects merchants and acquirers differently. Select the guide that best fits your role, your risk exposure, and the decisions you need to make before the new standards take effect.
For Merchants
A plain-English preparation guide for businesses that accept Mastercard payments and need to understand how GMAP may affect their fraud, dispute, and processing risk.
- Best for online businesses, subscription merchants, free-trial models, eCommerce teams, and PayFac sub-merchants.
- Understand HDM, EDM, fraud reporting, audits, fees, and how to reduce exposure before enforcement begins.
- Built for fraud teams, chargeback teams, payment leaders, and business managers responsible for keeping payments running.
For Partners, Acquirers, Processors, PayFacs, and ISOs
A portfolio-level readiness guide for organizations responsible for merchant monitoring, risk, compliance, and acquirer exposure.
- Best for acquiring banks, processors, PayFacs, ISOs, risk leaders, compliance teams, and portfolio managers.
- Understand HDA, EDA, ICA-level exposure, merchant oversight, audits, assessments, and extensions.
- Built for teams that need to identify merchant-level risk before it becomes portfolio-level pressure.
Not sure which guide to choose?
Use this quick comparison to identify the right GMAP resource for your role.
| Merchant Guide | Partner / Acquirer Guide | |
|---|---|---|
| Best for | Businesses that accept card payments | Partners, banks, processors, PayFacs, ISOs, and portfolio managers |
| Main focus | Protecting your own business from fraud, disputes, audits, and processing risk | Managing merchant portfolios, ICA-level exposure, thresholds, audits, and assessments |
| Choose this if... | You want to understand how GMAP may impact your company directly | You want to understand how GMAP may impact the merchants or portfolio you manage |
Why GMAP matters
GMAP Is More Than a Chargeback Monitoring Update
GMAP introduces a broader way to evaluate fraud and dispute activity. It does not only look at chargebacks. It also considers fraud reported to Mastercard’s Fraud & Loss Database, which means risk can build before a traditional chargeback ever appears.
Fraud and disputes are now connected
GMAP combines fraud and dispute activity into a more complete risk picture.
Monitoring becomes more proactive
Merchants and portfolios can be reviewed monthly, with escalating consequences when thresholds are crossed.
Preparation starts before enforcement
The strongest strategy is to understand your exposure early and reduce the fraud and disputes that create GMAP risk.
The Fraud Deflect Difference
GMAP rewards prevention — not cleanup.
Why Fraud Deflect
Move Upstream Before Fraud and Disputes Become GMAP Exposure
Once fraud or disputes are reported, the number may already be working against you. Fraud Deflect helps merchants and acquirers move upstream by preventing fraudulent transactions before they process, resolving disputes before they become chargebacks, and improving visibility into the metrics that matter.
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Stop fraud before it reaches the FLD
Fraud Deflect helps identify and block high-risk activity before it becomes reported fraud.
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Resolve disputes before chargebacks
Issuer collaboration and dispute-resolution tools help reduce the activity that feeds monitoring thresholds.
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Protect accounts and portfolios
Whether you are protecting one merchant account or managing portfolio exposure, the goal is the same: reduce the fraud and disputes that drive GMAP risk.
FAQ
GMAP Guide Download FAQs
Which guide should I download?
If you accept card payments as a business, choose the Merchant Guide. If you manage merchant portfolios, processing relationships, risk, or compliance exposure, choose the Partner / Acquirer Guide. If both apply, complete the form once for each guide.
Can I download both guides?
Yes. To access both guides, please complete the form once for the Merchant Guide and submit it again for the Partner / Acquirer Guide. Each registration helps us send the right resource based on your selected role.
Is this resource free?
Yes. The GMAP readiness guides are free to download after form submission.
Can Fraud Deflect help us assess GMAP exposure?
Yes. Fraud Deflect can help review fraud and dispute exposure, identify risk areas, and build a prevention strategy before GMAP enforcement begins.
Download the Guides
Get the GMAP Guide Built for Your Role
Tell us which guide you need and we will send the right resource. To download both guides, submit the form once for each selected role.
Merchant Guide
Partner / Acquirer Guide
Download your GMAP guide
Complete the form below and choose the guide that matches your role.
Get ahead of GMAP
Prepare Before April 1, 2027
Download the GMAP guide that fits your role and start preparing before the new standards take effect.
Download the Guide →