VAMP Calculator — Check Your Risk & Get a Free Plan in Telegram
What is VAMP (Visa Acquirer Monitoring Program)?
VAMP monitors acquirers/merchants for excessive disputes and fraud. A common working formula is: (fraud reports + disputes) ÷ settled transactions. If your ratio crosses network thresholds, acquirers face penalties and your account risks reserves or termination. Check your status and get a personalized plan in Telegram now.
Last updated: August 2025 • View complete VAMP guide
What VAMP Penalties Mean for Your Business
October 2025 Enforcement Timeline:
- October 1, 2025: VAMP fines begin at $10 per dispute
- Q4 2025: Acquirer portfolios face reserve requirements
- 2026: Full enforcement with account terminations
- Ongoing: Rolling reserves for repeated violations
Direct Business Impact:
- $10,000+/month in additional fines for high-volume merchants
- 15-30% rolling reserves locked for months
- Account termination with 5-year MATCH listing
- PSP relationship damage affecting future approvals
🎯 Don't Wait Until October - Get Professional Help Now
How to Calculate Your VAMP Ratio
Step-by-Step Process:
- Gather your monthly transaction data
- Count total disputes received
- Add fraud alerts (TC40/SAFE reports)
- Divide by total settled transactions
- Compare against VAMP thresholds
- Get personalized fixes via Telegram
Risk Bands Explained:
| Range | Status | Action |
|---|---|---|
| < 0.65% | Safe | Maintain |
| 0.65-1.0% | Warning | Optimize |
| >1.0% | Critical | Emergency |
💡 Pro Tip: Get Your Personalized Action Plan
Our GuardScore™ Telegram bot analyzes your specific situation and provides ranked fixes based on your industry, volume, and risk profile.
What Your Result Means
✅ Safe Range (Under 0.65%)
Your dispute ratio is healthy. Focus on maintaining current practices and building headroom for seasonal spikes or promotional campaigns.
⚠️ Warning (0.65-1.0%)
Approaching VAMP thresholds. Implement dispute prevention strategies immediately to avoid crossing into penalty territory.
🚨 Critical (Over 1.0%)
In or approaching VAMP monitoring. Expect fines, rolling reserves, and potential account termination. Emergency action required.
Get Your Complete GuardScore™ Assessment
Don't stop at just VAMP risk. Get personalized fixes for all compliance factors, PSP backup strategies, and professional implementation packages.
Trusted by 1,000+ merchants • No spam, no sales calls • Professional implementation available
Frequently Asked Questions
Is this calculator really free and anonymous?
Yes. The calculator requires no sign-up or email. GuardScore™ in Telegram uses your inputs to generate a plan without requiring personal information for initial triage.
What data is passed via the Telegram button?
A compact, signed payload with your calculator context so the bot can personalize recommendations instantly. No personal information is transmitted.
Can I use the web instead of Telegram?
Yes — but Telegram offers the fastest 2-minute triage with no email signup. The bot provides personalized guidance that adapts to your responses.
Do you guarantee outcomes or approvals?
No. We provide evidence-based recommendations citing network rules. Final decisions depend on your acquirer or platform's internal policies.
How accurate are the PSP provider recommendations?
Based on comprehensive research of 55+ industry sources and real underwriting criteria. Terms and approval rates vary; recommendations are educational guidance only.