Free Tool
VAMP Ratio Calculator
Check whether your chargeback and fraud ratios exceed Visa's VAMP thresholds — and estimate your monthly penalty exposure.
1Your business details
Fraud-coded chargebacks (Visa 10.4, MC 4840)
Your dispute ratio is within safe limits. Keep monitoring monthly.
2VAMP metrics
Dispute Ratio
chargebacks ÷ transactions
Threshold: 0.9%
Fraud Ratio
TC40 disputes ÷ transactions
Threshold: 0.9%
Total Chargeback Liability
chargebacks × (AOV $85 + $15 fee)
Per-chargeback cost estimate
Est. Monthly VAMP Penalty
Based on current ratio tier
$0/mo
VAMP Thresholds — US / CA
Safe
High Risk (0.65%+)
VAMP Standard (0.9%+)
VAMP Excessive (1.8%+)
VAMP Critical (2.0%+)
Keep your ratio low with ChargeMate
Respond to every dispute before the deadline, with AI-generated evidence. Free to start.
What is VAMP?
Visa Acquirer Monitoring Programme — replaced VDMP and VFMP in October 2025. Monitors dispute and fraud rates monthly.
Full VAMP guide →How to exit VAMP
Win existing disputes, enable 3DS2, fix your billing descriptor, and proactively refund before chargebacks are filed.
Prevention strategies →Chargeback ratio guide
Understand how ratio is calculated, what buffers to maintain, and how to track it in real time.
Ratio guide →