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Title: Disputed ai Launches Free VAMP Calculator to Help Businesses Navigate Visa Compliance

Portland, Oregon, United States, 19th Nov 2025 - Disputed.ai, an AI-native chargeback management platform, is proud to announce the launch of its free VAMP Calculator. This vital tool is designed to assist merchants and payment processors in understanding and monitoring their standing under Visa’s Acquirer Monitoring Program (VAMP). As Visa’s fraud enforcement escalates in October 2025 and stricter thresholds are set for 2026, this tool offers businesses an early-warning mechanism to avoid costly penalties and potential account termination. The VAMP Calculator provides businesses with the ability to calculate and track their VAMP ratio, an essential metric for compliance under Visa’s new guidelines.Navigating Visa’s Stricter Fraud Monitoring ProgramVisa's updated Acquirer Monitoring Program now includes more stringent requirements, with the threshold for the VAMP ratio set at 1.5%. Merchants whose VAMP ratio exceeds this threshold will face a fee of $8 per dispute, along with the risk of losing their Visa processing privileges. For 2026, this threshold will decrease further to 0.9%, making it even more critical for businesses to actively monitor and manage their compliance. The VAMP Calculator is based on the same methodology Visa uses to calculate the VAMP ratio, combining fraud disputes (TC40) and non-fraud disputes (TC15) into a unified metric.For many businesses, the complexity of Visa's new program and the methodology behind VAMP monitoring can be overwhelming. It is not uncommon for merchants to face higher VAMP ratios than under previous monitoring programs, and the added complexity of fraud reports potentially counting twice toward the ratio can make compliance even more challenging. Merchants who fail to adhere to the established thresholds risk not only fines...

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