Visa Dispute Monitoring Program (VDMP)
VDMP was Visa's standalone chargeback monitoring program until June 2025, when it was merged into VAMP. Use this calculator to see how your numbers would have compared under both the old and new programs.
Then — VDMP (until June 2025)
- → Tracked chargebacks (TC15) only
- → Standard trigger: ≥ 0.65% AND ≥ 75/month
- → Excessive trigger: ≥ 2.0% AND ≥ 150/month
- → Ran separately from VFMP (fraud)
Now — VAMP (from June 2025)
- → Combines TC15 disputes + TC40 fraud reports
- → Early Warning: ≥ 0.9% combined
- → Excessive: ≥ 1.5% combined (from April 2026)
- → Single unified ratio — harder to game
1Your monthly numbers
All dispute chargebacks — used for VDMP ratio
Fraud-coded only — added for VAMP ratio
Program thresholds at a glance
2Your ratios
Dispute ratio (VDMP logic)
chargebacks ÷ transactions
VDMP standard: 0.65% + 75 min
Combined ratio (VAMP logic)
(chargebacks + fraud) ÷ transactions
VAMP excessive: 1.5% threshold
Under old VDMP program
Under the old VDMP program, your dispute ratio would not have triggered monitoring. Note: VDMP no longer exists — check your VAMP status below.
Under current VAMP program
Approaching the 1.5% VAMP Excessive threshold. Your acquirer is notified. Take preventive action now.
VAMP is what matters today — track it carefully.
ChargeMate fights every dispute with AI-generated evidence so your ratio stays below the 1.5% threshold.
What Was the Visa Dispute Monitoring Program?
The Visa Dispute Monitoring Program (VDMP) was Visa's standalone chargeback ratio monitoring system, operating from the early 2000s until its replacement by VAMP in June 2025. VDMP tracked formal dispute chargebacks (TC15 transactions) against total settled transactions — separately from fraud reports, which were monitored by the parallel Visa Fraud Monitoring Program (VFMP).
Merchants who crossed VDMP thresholds entered a monitoring period with escalating monthly fines assessed to their acquirer, who would typically pass them through. The longer a merchant remained in VDMP monitoring without reducing their ratio, the higher the fines climbed — from a few thousand dollars per month in the early stages to tens of thousands per month after six or more months.
VDMP is no longer active. If you are researching your compliance obligations today, the relevant program is VAMP — which combines dispute and fraud counts into a single unified ratio with a 1.5% Excessive threshold (as of April 2026).
VDMP Thresholds (Historical Reference)
| Tier | Dispute ratio | Min chargebacks | Consequence |
|---|---|---|---|
| Safe | < 0.65% | Any | No monitoring |
| Standard | ≥ 0.65% | ≥ 75/month | Monitoring + escalating fines |
| Excessive | ≥ 2.0% | ≥ 150/month | High fines + termination risk |
Historical reference only — VDMP was retired June 2025. Verify all compliance obligations with your acquirer under the current VAMP framework.
Why VDMP Was Replaced by VAMP
Running VDMP and VFMP as separate programs created a structural loophole: merchants could manage their formal chargeback rate down while allowing fraud rates to climb, or vice versa. Because each program had its own threshold and its own fine schedule, a merchant could technically be compliant under both by keeping each individual metric just below its respective trigger — even if the combined dispute and fraud burden on the payment ecosystem was unacceptably high.
VAMP eliminated this by combining both metrics into a single ratio. The TC40 fraud reports and TC15 dispute transactions are added together in the numerator; total settled card-absent transactions form the denominator. There is one threshold, one monitoring program, and one fine structure — making the system significantly harder to manage around the edges.
The April 2026 threshold reduction from 2.2% to 1.5% tightened VAMP further, catching merchants who were operating comfortably below the old combined ceiling. If your VDMP dispute ratio was around 1.0–1.5%, you may now be in the VAMP Excessive tier without having changed your practices at all.