Get Your Copy of the Guide The Mastercard Business Risk Assessment and Mitigation (BRAM) Program and the Visa Integrity Risk Program (VIRP) — formerly the Global Brand Protection Program (GBPP) — are designed to protect card brands and consumers from illegal and/or brand-damaging activity. These programs impose fines that get passed down to merchant acquirers, including e-commerce platforms performing payment processing, for detected processing of fraud, illegal activity, or activity that may pose regulatory or reputational risk. Download our two-page guide to learn: How do these programs work? How do e-commerce platforms adhere to BRAM and VIRP guidelines? What happens to violative merchants? How much are fines?