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VAMP Explained: Thresholds, Exclusions, and What Actually Lowers Your RatioThe complete merchant reference for the Visa Acquirer Monitoring Program: the ratio formula, regional thresholds and count floors, fines, the enumeration ratio, and the only two things that actually remove records from your ratio.1.50%Excessive line

Tools

VAMP Compliance CalculatorCalculate your Visa VAMP ratio and see where you stand against the Standard, Above Standard, and Excessive thresholds. Free, no signup.Chargeback and Payments GlossaryPlain-language definitions for the vocabulary in network rules, monitoring programs, and acquirer emails.

VAMP & Compliance

4 guides

How Is the VAMP Ratio Calculated? Step-by-Step with a Worked ExampleYour VAMP ratio is (TC40 + TC15) ÷ TC05. Visa counts records, not incidents, so a transaction that generates both is counted twice. A full worked example, transaction by transaction.1.475%Worked example Does Rapid Dispute Resolution (RDR) Remove Chargebacks from Your VAMP Ratio?RDR and CDRN cancel the dispute record but leave the issuer’s fraud report in place. Only Compelling Evidence 3.0 through Order Insight removes both. What that means for your Visa VAMP ratio in 2026.1 of 2Records cleared

Acquirer Intervention Thresholds vs Network Thresholds: Why Your Acquirer Flags You Before Visa DoesVisa flags an individual merchant at a 1.50% VAMP ratio. It flags your acquirer at 0.50%, measured across every merchant that acquirer sponsors. That gap is why your acquirer calls first.0.50%Acquirer line TC40 vs TC15: What Counts Where in Your VAMP RatioTC40 is a fraud report an issuer files independent of any dispute. TC15 is the dispute record itself. A single bad transaction can generate both, and both count against your VAMP ratio.×2Counted twice

Dispute Response

4 guides

What Counts as Compelling Evidence for a Visa Dispute?Visa lists 17 types of compelling evidence in Table 11-6, and 16 of them only work when the dispute is coded 10.4, card-absent fraud. What qualifies, by dispute condition.16 of 17Need code 10.4 Mastercard First-Party Trust: What Reason Code 5002 Actually ChangesA First-Party Trust reject means Mastercard's own signal data already concluded the cardholder authorized the transaction. If the issuer re-files anyway, the merchant's second-presentment options drop from fourteen to two.14 → 2Grounds remaining

Chargeback Response Deadlines by Network and Reason CodeVisa gives you 30 calendar days to respond to most disputes, but zero for fraud-coded ones because there's no response stage at all. Mastercard gives you 45. Here's every deadline that actually governs your case, cited to the rule.30 / 45Days to respond Visa Compelling Evidence 3.0 (CE3.0): Qualifying Criteria, Evidence Requirements, and What ChangedCE3.0 is the prior-transaction test under Dispute Condition 10.4: two undisputed transactions on the same credential, 120 to 365 days old, matched on device or IP plus one more element. Accepted, it clears the fraud report as well as the dispute.120–365dPrior-tx window