MerchantGuard Payment Compliance Dataset

Canonical, machine-readable definitions and thresholds for payment processing compliance

🔒 Cryptographically Signed📊 Machine-Readable JSON🌐 Multi-Language Support

Dataset Overview

Coverage

  • • VAMP (Visa Acquirer Monitoring Program)
  • • Pix MED 2.0 (Brazil instant payments)
  • • Chargeback dispute rate thresholds
  • • Rolling reserves by risk tier
  • • Early termination fee ranges

Technical Details

  • • Format: JSON with JSON-LD schema
  • • Languages: English, Portuguese, Spanish
  • • Update Frequency: Real-time
  • • Verification: ES256 digital signatures
  • • Access: Free with attribution

Data Files

Visa Acquirer Monitoring Program (VAMP)

Download JSON

VAMP thresholds, penalties, and enforcement dates including Brazil-specific 1.5% merchant threshold

Chargeback Dispute Rate

Download JSON

Industry standard dispute rate thresholds and calculation methodologies

Pix MED 2.0

Download JSON

Brazil Pix instant payment fraud thresholds and penalty structures

Rolling Reserves

Download JSON

Merchant account rolling reserve percentages and release timelines by risk tier

Early Termination Fees (ETF)

Download JSON

Typical early termination fee ranges and calculation methods

API Access

Base URL

https://merchantguard.ai/ai/facts/

Example Request

curl -H "Accept: application/json" \
     https://merchantguard.ai/ai/facts/vamp.json

Verification

All data is cryptographically signed. Verify signatures using our public keys:

https://merchantguard.ai/.well-known/jwks.json

Attribution & License

This dataset is provided under a free attribution license. When using this data, please cite:

MerchantGuard Payment Compliance Facts Dataset. https://merchantguard.ai/ai/dataset (2025)

For commercial use, embedding, or partnership opportunities, contact us at data@merchantguard.ai