Your business could be one transaction away from Visa penalties.
Use our free VAMP Risk Calculator to discover your exposure in under 15 seconds — before Visa does.
1,017 calculations this month
VAMP Calculator
Advanced
100,000
2,000
Excessive
Your VAMP ratio
2.49%
Est. Visa compliance fee
$12,952
per month
Your VAMP ratio exceeds Visa's enforcement threshold. Compliance penalties apply.
Detailed Analysis
MetricYour Status
Better option
Better optionVDMP CB RatioVDMP and VFMP were Visa's older programs — now unified under VAMP.2.00%1.40% ↓
VFMP Fraud Ratio0.49%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
- •Pre-dispute alerts do NOT 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 a 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. | ≥ 20.00% | ≥ 20.00% |
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