Portland, Ore. November 10, 2025 In an era where fraud detection and compliance are critical to the financial health of any business, Disputed.ai has launched an innovative, free tool that promises to take the guesswork out of Visa’s complex fraud monitoring requirements. The newly released VAMP Calculator allows merchants and payment processors to calculate their Visa Acquirer Monitoring Program (VAMP) ratio, helping them stay compliant and avoid costly penalties.
With Visa’s crackdown on fraud growing increasingly stringent since October 2025, and the threshold for penalties set to tighten even further in April 2026, the VAMP Calculator is positioned as a must-have tool for merchants looking to navigate the maze of chargeback and fraud reporting. For many, understanding where they stand in relation to Visa’s rigorous monitoring system can be the difference between staying in business and facing penalties, including up to $8 per disputed transaction and the potential loss of Visa processing privileges.
A Game-Changing Risk Assessment Tool for Merchants
The VAMP Calculator works by utilizing the same methodology that Visa uses to calculate the VAMP ratio. This ratio is a critical metric for assessing a merchant’s fraud performance, combining both fraud disputes (TC40) and non-fraud disputes (TC15) into a single figure. Merchants who exceed the 1.5% VAMP threshold (which will drop to 0.9% in April 2026) risk facing significant fines and losing access to Visa’s vast payment network.
According to Shawn Kelley, CEO and Co-Founder of Disputed.ai, the introduction of the VAMP Calculator addresses a critical pain point in the payments industry. “VAMP visibility shouldn’t require guesswork,” Kelley said. “Visa’s new program is complex, with fraud reports potentially counting twice toward your ratio. We built this calculator so organizations can see exactly what Visa sees and take action before penalties hit.”
The tool gives businesses an early warning, allowing them to adjust their operations and mitigate the risk of penalties before it’s too late. With more than 1,000 assessments completed since its launch, the VAMP Calculator is proving essential for merchants who need to evaluate their compliance status quickly and accurately.
Why VAMP Compliance Matters
Visa’s Acquirer Monitoring Program is part of a broader industry-wide effort to combat payment fraud and chargeback abuse. However, as the program’s rules evolve, merchants are increasingly finding themselves in the crosshairs of stricter compliance thresholds. Under Visa’s updated guidelines, businesses can face heavy penalties not just for fraud disputes, but also for non-fraud chargebacks. This has created significant uncertainty, as many merchants now face higher VAMP ratios than in previous monitoring periods.
Adding to the complexity, acquirers entities that process payments for merchants are often setting their own internal thresholds much lower than Visa’s official limits. For merchants, this means the risk of penalties or account termination can come from multiple fronts, making visibility into their VAMP ratio all the more crucial.
How the VAMP Calculator Helps
The VAMP Calculator from Disputed.ai removes the uncertainty by providing a clear, easy-to-understand assessment of a merchant’s fraud standing. By inputting their data, businesses can instantly see if they are nearing Visa’s critical thresholds, giving them a chance to adjust before penalties accumulate. This proactive approach is especially beneficial as the thresholds for penalties will continue to tighten in the coming months.
In the world of chargeback management, where prevention is often cheaper than recovery, the VAMP Calculator represents a valuable resource for businesses seeking to maintain their standing under Visa’s strict fraud monitoring rules.
The Disputed.ai Advantage
Disputed.ai is an AI-native chargeback management platform founded by experts from across the tech and e-commerce sectors, including former engineers from SeatGeek and NASA’s Jet Propulsion Laboratory. With a mission to help enterprises recover revenue while maintaining card network compliance, Disputed.ai combines artificial intelligence with deep industry expertise. The company’s solutions are designed to be intuitive, automated, and adaptable, making them an ideal choice for merchants facing the rapidly evolving landscape of payment fraud and dispute management.
“Since our launch, we’ve been dedicated to using cutting-edge AI to address one of the biggest challenges in payments,” Kelley added. “The VAMP Calculator is just the beginning of our efforts to provide businesses with the tools they need to stay ahead of compliance requirements and minimize their risk.”
Having raised $1.1 million in seed funding in March 2025, Disputed.ai is positioned for continued growth as it further develops its suite of tools to help businesses protect themselves from fraud and chargeback-related penalties. The company’s chargeback management platform is already making waves in the industry, with several large enterprises turning to its solutions to streamline their fraud prevention efforts and reduce financial loss.
VAMP Calculator: A Step Toward a Safer Payments Ecosystem
The launch of the VAMP Calculator marks a significant step forward in ensuring that merchants are equipped to face the evolving challenges of payment fraud and compliance. By making this tool freely available, Disputed.ai is demonstrating its commitment to helping businesses not only protect their revenue but also stay in good standing with Visa and other major payment networks.
For merchants and payment processors looking to safeguard their business against the looming risk of VAMP penalties, the VAMP Calculator offers an invaluable resource. The tool is available for free at Disputed.ai’s VAMP Compliance Calculator.
About Disputed.ai
Founded by former merchants and technologists from SeatGeek and NASA’s Jet Propulsion Laboratory, Disputed.ai is an AI-native chargeback management platform that helps enterprise merchants reduce chargebacks and maintain compliance with payment networks. The company leverages artificial intelligence to automate dispute management and recovery processes, ensuring that businesses can focus on growth while minimizing revenue loss. Disputed.ai raised $1.1 million in seed funding in March 2025 and continues to innovate in the field of fraud prevention.
For more information, visit www.disputed.ai.
Media Contact
Shawn Kelley, CEO & Co-Founder
Email: press@disputed.ai
Phone: (434) 882-8858
Navigating Visa compliance doesn’t have to be a guessing game. With Disputed.ai’s free VAMP Calculator, merchants can stay one step ahead and protect themselves from penalties. Visit here to check your VAMP ratio today.
