This one is for sellers and merchants, not cardholders. It answers one question the other tools do not: what is your Visa VAMP ratio, and does it cross the merchant Excessive line? Enter one month's TC40 fraud reports, TC15 disputes and settled card-not-present transactions, and it computes the ratio itself, judges it against the threshold for your Visa region, and shows your headroom — how many events you can carry before the line, and how far over it you are. It is not the Merchant Monitoring Program Checker — that tool answers which program trips across networks; this one computes the VAMP ratio itself.
Thresholds checked October 28, 2026 — every figure below is taken from the sources named on this page and matches this site's own monitoring and ratio pages (1.5% / 1,500, no mismatch). Visa's rulebooks are not public, and your acquirer's own limits may be stricter than any network line. This is a self-check against published thresholds, never a Visa determination.
Does your VAMP ratio cross the Excessive line?
Everything is counted in your browser and never sent anywhere. This checker asks for no card numbers, account numbers or merchant IDs — never enter those into any checker.
Visa counts these in the VAMP numerator alongside disputes — including reports that never became chargebacks.
A fraud report that later becomes a dispute is counted twice — once as a TC40, once as a TC15. That double-count is a feature of the VAMP formula, not an error in your figures.
The denominator is card-not-present settled transactions only. Card-present volume does not enter the VAMP ratio — if your dashboard mixes the two, split them before entering a figure.
CEMEA needs all three conditions: 2.2%, 150 events, and USD 75,000. Leave this blank and a CEMEA result that meets the ratio and count gates is reported as unconfirmed, never as a trip.
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The thresholds, in one view
How the VAMP ratio is worked out
The VAMP ratio is (TC40 fraud reports + TC15 non-fraud disputes) divided by settled card-not-present transactions, count-based rather than dollar-weighted. It is judged against one merchant tier, Excessive, with a ratio line and a count gate that must both be met in the same month — plus, in CEMEA, an amount gate.
Visa region
Merchant Excessive ratio
Count gate
Amount gate
US, Canada, Europe, Asia-Pacific, Latin America & Caribbean
1.5% (since Apr 1, 2026; was 2.2%)
1,500 events / month
None
CEMEA (Central Europe, Middle East and Africa)
2.2%
150 events / month
USD 75,000 fraud-and-dispute amount
Acquirer portfolio (all standard regions — NOT a merchant line)
Above Standard 0.5% to < 0.7%; Excessive 0.7% or more
Portfolio-level, same 1,500 minimum in most regions
None stated
Two cautions sit under every row. First, winning disputes does not lower a VAMP ratio: Visa counts events as filed, and only pre-dispute solutions and qualifying Compelling Evidence 3.0 fraud can be excluded, depending on timing. Second, these are the network's lines. Your acquirer or processor can set stricter limits in your merchant agreement and act on your account before any merchant tier trips.
What the acquirer lines mean — and what they do not
The 0.5% and 0.7% figures are acquirer-facing portfolio lines, not merchant thresholds: Visa scores an acquirer's whole portfolio at Above Standard from 0.5% and Excessive from 0.7%, and an acquirer under that pressure commonly tightens limits, adds reserves, or requires a plan from its highest-event merchants. That is why a merchant at, say, 0.8% can face acquirer action while still well under the 1.5% merchant line — and why this checker shows the acquirer context separately, labelled as context, never as a trip verdict for you.
Want the full story, with the sources?
The companion article works through the VAMP formula with worked examples, the region table and its CEMEA caveat, what happens at each tier, and the remediation pointers that actually move the numerator — each claim tied to its source. Read it here: Visa VAMP threshold guide: computing your ratio and staying under it.
Since April 1, 2026, a merchant in the US, Canada, Europe, Asia-Pacific or Latin America and the Caribbean trips Visa VAMP Excessive when its ratio of TC40 fraud reports plus TC15 non-fraud disputes to settled card-not-present transactions reaches 1.5% and it has at least 1,500 fraud reports and disputes in the month. In CEMEA the line is 2.2% with 150 events plus USD 75,000. Both conditions must hold in the same month.
VAMP ratio = (TC40 fraud reports + TC15 non-fraud disputes) divided by settled card-not-present transactions (TC05), count-based, not dollar-weighted. A fraud report that later becomes a dispute is counted twice — once as a TC40, once as a TC15.
No. 0.5% Above Standard and 0.7% Excessive are acquirer-facing, portfolio-level lines: Visa scores an acquirer's whole portfolio against them. They explain why an acquirer may act on a merchant before the 1.5% merchant line trips, but they are never a merchant's own trip line.
No. This is a self-check against published thresholds. Visa judges your position on your acquirer's own VAMP count, which can differ from yours, and your merchant agreement may set stricter limits. Confirm your position with your acquirer.
Sources (checked October 28, 2026): This site's merchant-monitoring-program-checker.html and chargeback-ratio-calculator.html (VAMP 1.5% / 1,500, TC40 + TC15 over settled card-not-present transactions, acquirer tiers 0.5% / 0.7% as acquirer-level — no mismatch found); Chargeflow — Visa VAMP rules guide and Visa Acquirer Monitoring Program guide (formula, 1.5% from Apr 1, 2026, CEMEA 2.2% with 150 events and USD 75,000, acquirer tiers, exclusions for pre-dispute solutions and Compelling Evidence 3.0); Dodo Payments — Visa VAMP Explained (regional table: 1.5% / 1,500 standard regions, 2.2% / 150 + $75,000 CEMEA, timeline Jun 1, 2025 → Apr 1, 2026); Chargebacks911 — Visa chargeback threshold and VAMP program pages (1.5% / 1,500 standard, acquirer 0.5% / 0.7%; note: its summary table lists 1,500 for CEMEA, against the detailed regional tables' 150 + $75,000 — this tool follows the detailed tables and keeps the CEMEA amount gate separate); Justt — Visa VAMP threshold changes April 2026 (1.5% drop, CEMEA stays 2.2%, acquirer tiers portfolio-level); Redo — VAMP thresholds for 2026 (150 bps standard, 220 bps CEMEA, TC05 denominator). Visa's rulebooks are not public; figures are as published in Visa's Acquirer Monitoring Program fact sheet as summarised by these guides, and can change. No fee amounts are stated on this page: the binding assessment schedule sits in your merchant agreement.
General information only — not legal or financial advice. Whether a threshold is crossed depends on your acquirer's own counts and your merchant agreement, which no checker can see. This checker applies the published rules to the figures you entered. Never enter a card number, account number or merchant ID into any checker — no genuine threshold check needs them.
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