Is your chargeback ratio over
Visa's line?

Visa's program for spotting merchants with too many fraud reports and disputes. Every month Visa adds your fraud reports to your disputes, divides by your settled online transactions, and that's your VAMP ratio.

How the program works →

The Visa Fraud Monitoring Program (VFMP) and the Visa Dispute Monitoring Program (VDMP). Both were retired on March 31, 2025, and their thresholds, including the 0.9% fraud ratio, ended with them. If you're reading a guide built on those numbers, it's out of date.

Read what changed, and when →

Two lines for merchants. The excessive line is 1.5%, down from 2.2% on 1 April 2026, once you pass roughly 1,500 combined fraud reports and disputes in a month. A lower line applies when your acquirer's whole portfolio is flagged: from a 0.5% ratio and as few as 5 fraud reports and disputes, Visa can identify you and may charge fees. Your acquirer is measured at 0.5% above standard and 0.7% excessive.

Yes, and this is the part most merchants miss. Your disputes count toward your acquirer's portfolio number. When theirs climbs, they cut the accounts making it worse, whatever Visa's merchant line says.

It depends which number you are reading. A plain dispute rate counts disputes only, while Visa's VAMP ratio adds fraud reports on top, and one transaction can count on both sides. Stripe now has a separate VAMP dashboard that does include fraud reports, but the Visa figures on it arrive a month late and Stripe's own daily numbers are estimates. Two things can still flatter you: disputes your processor absorbs never appear in your dashboard yet Visa still counts them, and Visa scores each statement descriptor separately, so one business with three descriptors is three accounts to Visa.

Which number counts, and what is good →

Yes, on Visa fraud claims. If the customer has two earlier undisputed purchases with you between 120 and 365 days old, matching the disputed one on at least two data points including the IP address or device, Visa's Compelling Evidence 3.0 rules oblige the bank to block the dispute. It never reaches your ratio and you pay no dispute fee.

What qualifies, and how the block works →

A bank files one when a customer calls a charge fraudulent. Stripe calls them Early Fraud Warnings. They count against you even if no chargeback is ever filed.

See how fraud reports count →

No. A chargeback you fight and win still counts. Only stopping the dispute before it's filed keeps it out.

They let you refund during the window before the chargeback is filed, so the dispute never enters the count. Fraud reports can still count, which is why watching your real number matters alongside prevention.

See how RDR settles disputes automatically →

$8 per event every month through your acquirer, counting both fraud reports and disputes, and your acquirer can add reserves or processing limits. Continued excess ends in a closed account, and a closure follows you: the next one is harder and more expensive.