Visa’s new VAMP program, enforced beginning October 2025, marks a turning point in fraud monitoring. Unlike earlier initiatives (VDMP and VFMP), VAMP makes acquirers directly responsible for monitoring and enforcing compliance—raising the stakes for merchants. From TC40 visibility to enumeration ratios, the risks are real and the penalties are steep. Use the sliders to find out if your business is operating safely under Visa’s new VAMP thresholds—or drifting into the risk zone.
Settled CNP Transactions (Monthly)
Amount of Disputed Transactions (TC15)
Amount of Fraudulent Transactions (TC40)
Your Chargeback Fee (Per Dispute)
Average Order Value (AOV)
Monthly Penalty
$0
(Applies only if your ratio exceeds Visa’s threshold)
Total Chargeback Liability Now
$0
(TC15) × (AOV + Chargeback Fee)
Your Ratios
Dispute Ratio:0.00%Fraud Ratio:0.00%
Low Risk: Operating safely within Visa’s thresholds.
High Risk: Approaching Visa’s compliance limits; monitoring advised.
At Risk of Termination: Exceeding Visa’s thresholds; acquirer action likely.
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