Press Release

Disputed.ai, an AI-native chargeback management platform, today announced the launch of its free VAMP Calculator, designed to help merchants and payment processors gain visibility into their standing under Visa's Acquirer Monitoring Program (VAMP).

With Visa enforcement escalating in October 2025 and stricter thresholds set for 2026, the tool provides critical early warning for businesses at risk of penalties or account termination.

The calculator uses the same methodology Visa employs to calculate the VAMP ratio — a unified metric combining fraud disputes (TC40) and non-fraud disputes (TC15). Merchants exceeding the 1.5% threshold (dropping to 0.9% in April 2026) face $8 per dispute in fees and potential loss of Visa processing privileges.

"VAMP visibility shouldn't require guesswork," said Shawn Kelley, CEO and Co-Founder of Disputed.ai. "Visa's new program is complex, with fraud reports potentially counting twice toward your ratio. We built this calculator so organizations can see exactly what Visa sees and take action before penalties hit."

In early usage, the VAMP Calculator has already completed over 1,000 assessments, helping merchants understand whether they are approaching excessive thresholds. The challenge is compounded by VAMP's methodology, as many merchants are seeing higher ratios than under previous monitoring programs — with acquirers often enforcing internal thresholds well below Visa's published limits.

Try the Free VAMP Calculator