Are your chargebacks in the safe zone?
Enter your chargebacks and transactions to see your ratio against Visa VAMP and Mastercard thresholds, and how much headroom you have left.
What counts as an excessive chargeback rate?
Each network runs its own monitoring program, and the thresholds combine a ratio with a minimum count, so a small merchant rarely trips them on ratio alone.
Visa (VAMP, from 1 April 2026)
Visa's Acquirer Monitoring Program counts fraud reports plus disputes against settled card-not-present transactions. A merchant is Excessive at 1.5% or above with at least 1,500 combined fraud and dispute items in the month (2.2% in the CEMEA region). Most acquirers want you comfortably under ~0.65% well before that.
Mastercard (ECM / HECM)
Mastercard flags an Excessive Chargeback Merchant at 100 to 299 chargebacks in a month and a ratio of 1.5% to 2.99%, and a High Excessive merchant at 300+ chargebacks and 3%+. Its ratio divides this month's chargebacks by last month's transactions.
Thresholds are indicative and change: always confirm the current numbers and your exact status with your acquirer.