Free Calculator · Launches April 1, 2027

Mastercard GMAP Calculator (Global Merchant Audit Program)

Estimate your GMAP ratio and fine exposure under Mastercard's new combined fraud-and-dispute monitoring programme, replacing ECM, EFM, HECM and ACMP.

⚠Not yet in force, and not from an official source. Mastercard's original GMAP bulletin (GLB 14127.1) is not publicly available. The figures here are compiled from industry analyses (Chargeback Gurus, SLYCE360, FunnelFox) that agree on the numbers below, but disagree on some mechanics — including whether the ratio is calculated by transaction count or dollar amount. Verify every figure with your acquirer before making compliance decisions.

1Ratio method

Sources disagree on which method Mastercard uses — toggle to compare both. See both results below regardless of your selection.

2Your numbers

Total Mastercard transactions — the count denominator

5,000
100200,000

Total Mastercard sales $ — the amount denominator

$250k
$5k$5.0M

Reported to the Fraud and Loss Database — count even without a chargeback

20
0500

Dollar value of those fraud-flagged transactions

$4k
$0$100k

Item not received, not as described, etc.

15
0500

Dollar value of those chargebacks

$3k
$0$100k

Set to 1 if not yet enrolled or just entered

Month 1
Month 1Month 24+

GMAP thresholds (merchant level)

Safe: ratio < 5%
HDM: ratio ≥ 5% + ≥5 combined txns worth $5,000+
EDM: ratio ≥ 50% + ≥5 combined txns worth $10,000+

Acquirer-level thresholds (context only)

HDA: 0.5% · EDA: 0.7% — at 1,500+ transactions
Safe Zone — Below GMAP Thresholds

Your combined fraud + dispute ratio is below the 5% HDM trigger. Keep monitoring monthly — fraud reported to the Fraud and Loss Database counts here even without a matching chargeback.

Above the 0.7% EDA acquirer threshold

Your acquirer may already be at risk of its own GMAP fines at this ratio — well before you individually reach the 5% HDM threshold. Acquirers are expected to start restricting volume or offboarding merchants proactively once portfolio-wide ratios approach these levels.

3Your results

GMAP Ratio (by count)

(fraud + non-fraud chargebacks) ÷ prior month sales

Below HDM threshold (5%)

0.70%

Other method, for comparison

By dollar amount instead

Shown since sources disagree on methodology

2.80%

Eligibility gates this month

35 combined txns · $7k combined value

Needs ≥5 txns AND $5k+ (HDM) or $10k+ (EDM) to trigger

HDM gate open

Current Monthly Fine

No fines — below threshold

Safe zone

$0/mo

Stay ready for GMAP before it launches

GMAP counts fraud even without a chargeback — so prevention and fast, well-evidenced dispute responses both matter. ChargeMate handles Mastercard responses for $10/case.

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Frequently Asked Questions

What is Mastercard GMAP?▾
The Global Merchant Audit Program (GMAP) is a new Mastercard monitoring programme launching April 1, 2027, that merges chargeback monitoring and fraud monitoring into a single ratio. It replaces the current ECM/EFM/HECM chargeback programmes and the ACMP acquirer programme. The key change: fraud reported to the Fraud and Loss Database counts toward your ratio even if no chargeback was ever filed.
Does fraud without a chargeback really count against me?▾
Based on industry analysis of the GMAP bulletin, yes — that is the headline change from the current chargeback-only monitoring programmes. Any transaction reported as fraud to the Fraud and Loss Database counts in the numerator of your GMAP ratio, whether or not the cardholder or issuer ever filed a formal chargeback. A calculator or internal tracker that only counts chargebacks will understate your real Mastercard ratio under GMAP.
Is the ratio based on transaction count or dollar amount?▾
Industry sources analysing the bulletin (Chargeback Gurus, SLYCE360, FunnelFox) don't fully agree on this point — some describe a count-based ratio, others an amount-based one. This calculator lets you check both. Confirm which methodology your acquirer will apply before using either number for compliance planning.
What happens if I stay in EDM for two consecutive months?▾
Per industry analysis, two consecutive months as an Excessive Dispute Merchant makes you liable for fraud-related chargebacks going back 3 months before you entered the programme and forward 6 months after. This retroactive liability window is one of the more severe mechanics in GMAP and is worth confirming directly with your acquirer.
Can my acquirer restrict me before I hit the GMAP thresholds?▾
Very likely, yes. GMAP introduces separate, much lower thresholds for acquirers: 0.5% (HDA) and 0.7% (EDA), applying once an acquirer processes 1,500+ transactions for you. Because an acquirer breaching these thresholds faces its own fines (up to $100k/month), acquirers are expected to start restricting or offboarding risky merchants well before those merchants individually reach the 5% HDM threshold.
How do I exit HDM or EDM status?▾
Three consecutive months below the applicable threshold, per industry summaries of the programme. Unlike the current ECM programme (two consecutive months), GMAP reportedly requires a longer clean streak to exit.
Full GMAP guide →Current MCMP fine calculator →SMMP calculator →Visa VAMP calculator →Mastercard reason codes →Chargeback outsourcing service →