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NewProducts

Disputed.ai Many merchants are discovering that certain fraud reports
count twice, producing ratios significantly higher than
VAMP Calculator those calculated under previous monitoring models, the
www.disputed.ai company noted.
The stakes are substantial: exceeding the current 1.5
percent threshold—or next year's 0.9 percent threshold—
triggers $8 per-dispute charges and raises the possibility
of losing Visa processing credentials entirely.

"VAMP visibility shouldn't require guesswork," said
Disputed.ai CEO and Co-Founder Shawn Kelley. "Visa's
new program is complex, with fraud reports potentially
counting twice toward your ratio. We built this calculator
so organizations can see exactly what Visa sees and take
action before penalties hit."

The company mentioned that more than 1,000 assessments
have already been completed, revealing how quickly ratios
can shift and how acquirers increasingly impose stricter
Strengthen your VAMP internal limits that may exceed Visa's official guidelines.

Users report that the calculator helps them identify fraud-
compliance strategy control weaknesses, model upcoming dispute volumes,
and determine whether operational adjustments are
needed to remain within network tolerances.
isputed.ai, an AI-native chargeback manage-
ment platform founded by former merchants The launch underscores Disputed.ai's broader mission:
helping enterprise merchants maintain card network
and technologists from SeatGeek and NASA's
D Jet Propulsion Laboratory, introduced its free compliance while recovering revenue lost to disputes.
VAMP Calculator, designed to offer merchants and pay-
ment processors unprecedented clarity into their standing Since raising $1.1 million in seed funding in March 2025, the
company has expanded its AI-driven platform to address
under Visa's Acquirer Monitoring Program (VAMP).
the rising operational and regulatory burdens associated
With Visa having tightened enforcement in October 2025 with modern fraud and chargeback environments.
and scheduled to lower thresholds further in April 2026, The VAMP Calculator demonstrates how accessible, data-
the calculator arrives at a critical point for organizations
adjusting dispute strategies to avoid escalating penalties. driven tools can make emerging compliance requirements
far easier to manage.
Unlike high-level reporting tools, the VAMP Calculator The free calculator is available at: disputed.ai/resources/
uses Visa's own methodology to estimate a merchant's
VAMP ratio, blending fraud disputes (TC40) and non- vamp-compliance-calculator.
fraud disputes (TC15) into a unified metric, Disputed.ai
stated.

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