Are you close to Visa’s VAMP limit?
Visa’s monitoring program counts fraud reports and disputes against your settled transactions every month. Enter one month and see where you stand.
Your VAMP ratio
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- Counted items (TC40 + TC15)
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- Minimum to be identified
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- More items before the threshold
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- Fees if identified
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Visa does not publish the fee in its fact sheet. USD 8 per counted item is what acquirers commonly pass on; yours may differ.
How it is calculated: VAMP ratio = (fraud reports TC40 + disputes TC15) ÷ settled transactions in the month. A transaction reported as fraud and also disputed counts twice. Merchant “Excessive” level from 1 April 2026: 1.5 % and at least 1,500 counted items in most regions; in CEMEA, 2.2 %, at least 150 items and USD 75,000. Sources: Visa Acquirer Monitoring Program fact sheet (2025), Stripe monitoring programs FAQ, Merchant Risk Council (2026). Visa can change these rules: check with your acquirer.
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