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
Generally a comfortable position under the program.
Monitor
A zone to watch — tighten fraud and dispute controls.
At risk
Typically where merchants draw scrutiny.
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. Introduced by Visa in 2025, it consolidates fraud and dispute activity into a single monthly ratio that acquirers use to monitor merchant risk. 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 together the count of fraud transactions (reported through TC40 records) and the count of non-fraud disputes (TC15 records), then divides that sum by the number of settled transactions, times one hundred. In words: (fraud + non-fraud disputes) divided by settled transactions, as a percentage. It is measured monthly, so the counts and the settlement base are for the same period.
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?
As a reference point, ratios under roughly 0.5% are generally healthy, the 0.5% to 0.89% range is a zone to monitor, and 0.9% or above is where merchants are typically considered at risk. These are reference values only. Visa and your acquirer set the actual VAMP thresholds, and because the program is new they have been changing — confirm the current limits and effective dates with your acquirer.
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.