VAMP calculator
The VAMP ratio is your combined fraud and non-fraud dispute count divided by settled transactions, times one hundred, under Visa's Acquirer Monitoring Program. Enter three numbers to estimate your monthly VAMP ratio, gauge chargeback and fraud exposure, and see where you land against reference bands. No sign-up, no data stored.
Ratio is calculated as fraud plus non-fraud disputes, divided by settled transactions, times one hundred. Counts are for a single month.
Enter all three counts to see your ratio and reference band.
What VAMP measures
VAMP — the Visa Acquirer Monitoring Program, introduced by Visa in 2025 — combines fraud and dispute counts into a single ratio measured monthly. Where earlier programs tracked fraud and chargebacks separately, VAMP rolls both into one number so acquirers see a merchant's total risk at a glance. A clean chargeback profile no longer tells the whole story on its own, because reported fraud counts toward the same ratio. Staying under the reference bands matters most for high-risk merchant accounts, where processors watch fraud and dispute ratios closely — layered chargeback defense and real-time alerts keep the combined number in a healthy zone.
The formula combines two counts over settled volume. In mono, that is (fraud + non-fraud disputes) ÷ settled transactions × 100. So 5 fraud transactions plus 4 disputes on 1,000 settled transactions is a 0.9% ratio.
Reference bands for the VAMP ratio
The bands below are reference points to help you gauge where a combined fraud-and-dispute ratio sits. Because VAMP is a new program, its thresholds have been evolving since launch.
Healthy
Comfortably below the US Excessive Merchant ratio.
Monitor
Climbing toward the 150bps Excessive Merchant line.
At the threshold
At or above the US Excessive Merchant ratio. It only bites alongside 1,500+ monthly fraud and dispute events.
Disclaimer: Visa and your acquirer set the actual VAMP thresholds, and because the program is recent they are changing. The bands here are reference only and should not be read as official limits — confirm the current thresholds and their effective dates with your acquirer.
VAMP calculator FAQ
What is VAMP?
VAMP stands for the Visa Acquirer Monitoring Program. From 1 June 2025 it consolidated the previous VAMP, the Visa Fraud Monitoring Program, and the Visa Dispute Monitoring Program into a single global program, replacing the separate fraud and dispute thresholds people still quote. Rather than tracking fraud and chargebacks in separate programs, VAMP combines fraudulent transactions and non-fraud disputes together and measures them against a merchant’s total settled transactions.
How is the VAMP ratio calculated?
The VAMP ratio adds the count of fraud transactions (TC40 records) to the count of disputes (TC15 records), then divides by the count of settled transactions (TC05). It is count-based rather than value-based, measured monthly, and covers card-not-present transactions. Visa excludes disputes resolved through pre-dispute solutions and fraud that qualified for Compelling Evidence 3.0, so a raw calculation like this one runs slightly high against what Visa actually counts.
What are TC40 and TC15 records?
TC40 is the data record Visa uses for reported fraud — it is generated when an issuer flags a transaction as fraudulent. TC15 is the record associated with a dispute (chargeback) that is not classified as fraud. VAMP counts both categories together, which is why a merchant can have a healthy chargeback picture but still see VAMP pressure from fraud reports, or vice versa.
What VAMP ratio is considered high?
Visa publishes the thresholds in its VAMP fact sheet. In the US, a merchant is identified as Excessive at a VAMP ratio of 150 basis points (1.5%) or more, and that threshold only applies alongside a monthly fraud and dispute count of 1,500 or more. Both conditions have to be met. The US ratio dropped from 220bps to 150bps on 1 April 2026. Separately, an acquirer portfolio is Above Standard at 50bps and Excessive at 70bps. Your own acquirer can enforce tighter limits than Visa does, so confirm what applies to your account.
How do I keep my VAMP ratio low?
Because VAMP blends fraud and disputes, you have to work both sides. Reduce fraud with 3-D Secure, AVS and CVV checks, and device or velocity screening, and reduce disputes with clear billing descriptors, fast support, and real-time pre-dispute alerts so you can refund before a chargeback files. Since the ratio is measured against settled transactions, prevention on both fraud and dispute counts is what moves it. For high-risk merchant accounts, a specialist can also help structure processing and chargeback defense so a rising VAMP ratio does not put your account at risk.