What is a VAMP ratio?
It is Visa's monthly measure of fraud and disputes on card-not-present sales: fraud reports (TC40) plus disputes (TC15), divided by settled card-not-present Visa transactions (TC05). It counts transactions, not dollars.
Enter your settled transactions, fraud reports and disputes to see your ratio.
Estimate only, based on the numbers you enter and Visa's published thresholds. It doesn't apply exclusions such as disputes resolved through pre-dispute solutions or fraud reports that qualify under Compelling Evidence 3.0, and processors may set stricter limits. Confirm your official ratio with your processor.
How it's calculated
VAMP ratio = (fraud reports + disputes) ÷ settled card-not-present Visa transactions. Fraud reports (TC40) count whether or not a chargeback follows, disputes (TC15) include fraud and non-fraud disputes, and one sale can count twice if it has both.
A merchant is identified as Excessive only when it meets both the ratio and the monthly count for its region: 1.5% and 1,500 in the U.S., Canada, Europe, Asia Pacific, Latin America and the Caribbean; 2.2%, 150 and USD 75,000 in Central Europe, the Middle East and Africa. The 1.5% level took effect April 1, 2026 (it was 2.2%). Visa says programs for Brazil, Chile and India will be announced separately.
For the full breakdown, the key dates and a worked example, read our guide to Visa's VAMP threshold.
Related guides
VAMP ratio calculator FAQ
What VAMP ratio gets a merchant identified in 2026?
In the U.S., Canada, Europe and Asia Pacific, Visa's Excessive Merchant threshold has been 1.5% (150 bps) with at least 1,500 fraud reports and disputes in a month since April 1, 2026. Latin America and the Caribbean use 1.5% with 1,500. Central Europe, the Middle East and Africa use 2.2% with at least 150 and USD 75,000.
Why does the calculator show 0.5% and 0.7% levels?
Visa identifies an acquirer's whole portfolio as Above Standard at a 0.5% VAMP ratio and Excessive at 0.7%. Your processor is measured against those levels, so it may act on your ratio long before you reach the merchant threshold.
Does this calculator store my numbers?
No. The math runs in your browser, and nothing you enter is sent or saved.