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Use our free VAMP Risk Calculator to discover your exposure in under 15 seconds — before Visa does.
VAMP Risk Calculator
ADVANCED
100,000
2,000
Excessive
Your VAMP ratio
2.49%
Estimated Visa Compliance Fee
$12,952
Your VAMP ratio exceeds Visa's enforcement threshold. Compliance penalties apply.
Detailed Analysis
Metric
Your Current Status
Better OptionVDMP CB RatioVDMP and VFMP were Visa's older monitoring programs for disputes and fraud.
Both are now unified under the Visa Acquirer Monitoring Program (VAMP), which combines dispute and fraud ratios into one compliance metric.2.00%1.40% ↓
Both are now unified under the Visa Acquirer Monitoring Program (VAMP), which combines dispute and fraud ratios into one compliance metric.2.00%1.40% ↓
VFMP Fraud RatioVDMP and VFMP were Visa's older monitoring programs for disputes and fraud.
Both are now unified under the Visa Acquirer Monitoring Program (VAMP), which combines dispute and fraud ratios into one compliance metric.0.49%0.34% ↓
Both are now unified under the Visa Acquirer Monitoring Program (VAMP), which combines dispute and fraud ratios into one compliance metric.0.49%0.34% ↓
VAMP Count1,6191,133 ↓
VAMP Ratio2.49%1.74% ↓
Understanding VAMP
The VAMP (Visa Acquirer Monitoring Program) is a unified, count-based metric used by Visa to monitor fraud and disputes on card-not-present (CNP) transactions. It combines fraud reports and customer disputes into a single percentage that determines compliance status.
FRAUD (TC40)
DISPUTES (TC15)
SETTLED TRANSACTIONS (TC05)Critical notes
Good News:
- •Pre-dispute alerts (RDR/CDRN) remove disputes from your TC15 count
- •Order Insight (CE 3.0) removes fraud flags from your TC40 count
Important:
- •One transaction can appear in both TC40 and TC15 if flagged as fraud and later disputed
- •Pre-dispute alerts DON'T remove TC40s—only Order Insight does that
Visa Thresholds
| Identification Level | 2025 Threshold | 2026 Threshold |
|---|---|---|
| Standard | <0.50% | <0.50% |
| Early Warning | ≥0.50% to <0.70% | ≥0.50% to <0.70% |
Above StandardStandard, Early warning & Above standard are Disputed's internal risk tiers. While Visa enforces only at Excessive level, many acquirers may intervene once merchant crosses 0.5%. | ≥0.70% to <2.20% | ≥0.70% to <1.50% |
| Excessive (Visa) | ≥2.20% | ≥1.50% |
Excessive (Enumeration)Card testing fraud threshold. Enumerated Ratio = (Declined Authorizations / Total Authorization Attempts) × 100. Applies to merchants with excessive card testing attempts. | ≥20.00% | ≥20.00% |
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