Disputed ai Launches Free VAMP Calculator to Help Businesses Navigate Visa Compliance
Disputed.ai unveils a free VAMP Calculator, providing merchants with critical insights into their Visa Acquirer Monitoring Program compliance and helping avoid costly penalties.
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 Program
Visa’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 but also the loss of their ability to process Visa transactions, which can have a detrimental impact on business operations.
A Proactive Tool for Merchants to Avoid Penalties
The VAMP Calculator provides a proactive solution for merchants. By using this tool, businesses can input their transaction data and calculate their VAMP ratio, giving them a clearer view of where they stand in terms of Visa’s compliance requirements. By identifying potential issues early, businesses can take corrective actions before penalties are assessed, helping them avoid unnecessary fines and even account termination. The tool provides an essential safety net for merchants, offering them the transparency needed to stay on top of their VAMP ratio and avoid surprises.
“VAMP visibility shouldn’t require guesswork,” said Shawn Kelley, CEO and Co-Founder of Disputed.ai. “Visa’s new program is complex, and fraud reports can potentially count twice toward your ratio. We built this calculator so organizations can see exactly what Visa sees, giving them the chance to address any concerns before penalties hit.”
Since launching the VAMP Calculator, Disputed.ai has already conducted over 1,000 assessments, helping merchants understand their compliance standing and take the necessary steps to avoid costly penalties. The tool has proven to be invaluable for businesses seeking clarity and guidance in a rapidly evolving regulatory environment. Many merchants are discovering that acquirers are setting internal thresholds well below Visa’s limits, further complicating their efforts to maintain compliance.
Merchants deserve clear, immediate visibility into their compliance posture,” said Tarun Singh, Product Lead at Disputed.ai. “The VAMP Calculator gives teams the same view Visa uses, helping them identify risk early and take action before thresholds are exceeded.
By combining artificial intelligence with industry expertise, Disputed.ai offers a comprehensive solution that addresses the pain points of chargeback management. The company’s platform allows businesses to better manage disputes, recover lost revenue, and ensure they remain in good standing with their payment processors. Disputed.ai’s cutting-edge technology provides real-time insights into chargeback trends, enabling merchants to make data-driven decisions and improve their overall risk management strategy.
A Critical Tool for Today’s Merchants
The VAMP Calculator is now available at https://disputed.ai/resources/vamp-compliance-calculator and is open to all merchants and payment processors. With Visa’s tightening fraud monitoring requirements, it has never been more important for businesses to stay informed and proactive. The VAMP Calculator offers a free, accessible tool to help businesses understand their exposure under Visa’s Acquirer Monitoring Program and take the necessary steps to avoid costly penalties.
About Disputed.ai
Disputed.ai is an AI-native chargeback management platform designed to help enterprise merchants recover revenue and maintain compliance with card network regulations. Founded by a team of former merchants and technologists from SeatGeek and NASA’s Jet Propulsion Laboratory, Disputed.ai leverages artificial intelligence to automate chargeback responses, identify patterns, and prevent future disputes. The company raised $1.1 million in seed funding in March 2025 to further enhance its platform and expand its capabilities.
For more information, visit www.disputed.ai.
Media Contact
Shawn Kelley
CEO & Co-Founder, Disputed.ai
Email: press@disputed.ai
Website
Company Details
Organization: Disputed.ai
Contact Person: Shawn Kelley
Website: http://www.disputed.ai/
Email: Send Email
City: Portland
State: Oregon
Country: United States
Release Id: 19112537314
Disclaimer: All regulatory details referenced in this release are for general informational purposes only and should not be considered legal, financial, or compliance advice. Merchants should consult their acquirer or compliance advisor for guidance specific to their operations