Free tool

Chargeback risk calculator

Live ratio against Visa VAMP, Mastercard ECP and HECM thresholds — plus a MATCH-listing risk read. Built for high-volume specialist merchants who can't afford to be terminated.

Your monthly numbers

Count of settled card-payment transactions, all schemes combined.
Count of disputes filed against you in the same month — both fraud and non-fraud.
Used to estimate monthly cost (chargeback fees + lost revenue).
Chargeback ratio
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Enter your numbers to see where you stand.

Threshold reference

The numbers behind the gauges. These are the published scheme thresholds as of 2025–2026.

Visa VAMP

Visa Acquirer Monitoring Program. Combines fraud reports (TC40) and disputes into a single ratio. Replaced VDMP and VFMP in April 2025.

TierCombined ratioWhat happens
Standard< 0.9%Routine monitoring, no penalties.
Above-Standard≥ 0.9%Acquirer remediation plan required. Per-dispute monitoring fee applies.
Excessive≥ 1.5%Penalty fees, enforcement timeline, MATCH-listing risk.

Volume gate: 100+ disputes per month required to trigger Excessive status.

Mastercard ECP / HECM

Excessive Chargeback Program. Two tiers based on count and ratio, calendar-month basis.

TierTriggerWhat happens
Standard< 1.5%No program penalties.
ECM≥ 1.5% & ≥ 100 CBExcessive Chargeback Merchant. Escalating monthly fees and acquirer remediation plan.
HECM≥ 3.0% & ≥ 300 CBHigh-Excessive. Severe monthly fees, near-certain acquirer termination.

Both tiers also require the merchant to be enrolled in mandatory remediation training.

MATCH listing — what it is, what it means

MATCH (Member Alert To Control High-Risk Merchants) is Mastercard's database of merchants whose acquirer has terminated their relationship for cause. Every acquirer in every region checks MATCH before onboarding a new merchant — it is the single most consequential database in card acquiring.

An entry typically remains for five years. There is no formal removal process; recovery generally means restructuring under a new legal entity, demonstrating remediated controls (3DS, fraud filters, refund UX, dispute management), and finding an acquirer willing to underwrite a previously listed merchant.

If you're approaching a scheme threshold, the priority is to stabilise the ratio before your acquirer triggers a forced termination. Use the reason code lookup to defend individual disputes, and reach out to BZNpay if you're already past Above-Standard.

Frequently asked questions

Both Visa and Mastercard use a count-based ratio: total chargebacks in the calendar month divided by total settled card transactions in that month. Visa applies a rolling 30-day window for VAMP; Mastercard uses the calendar month for ECP and HECM. Most acquirers also track a value-based ratio internally, but the schemes' penalty thresholds are count-based.
Visa Acquirer Monitoring Program (VAMP) replaced VDMP and VFMP in April 2025. It combines fraud reports (TC40) and disputes into a single ratio. Above-Standard kicks in at 0.9% combined ratio with 100+ disputes; Excessive at 1.5% combined ratio with 100+ disputes.
Excessive Chargeback Merchant (ECM) is triggered at 1.5% chargeback ratio with 100+ chargebacks per month. High-Excessive Chargeback Merchant (HECM) is triggered at 3% with 300+ chargebacks. Both apply escalating monthly fees and require an acquirer remediation plan; HECM regularly leads to termination.
MATCH (Member Alert To Control High-Risk Merchants) is Mastercard's database of terminated merchants. Acquirers check it before onboarding. A MATCH listing typically stays for five years. Recovery usually means restructuring under a new legal entity, demonstrating remediated controls, and finding a specialist acquirer willing to underwrite a previously listed merchant.
First: stabilise the ratio. Tighten fraud filters, enable 3DS where it isn't already on, audit your refund and cancellation UX, and respond to disputes within the chargeback response window. Second: speak to your acquirer about a remediation plan before they terminate. Third: in parallel, line up an alternative acquirer — once you're terminated and on MATCH, your options narrow sharply.
Yes, case by case. A MATCH listing makes placement harder, not impossible. Specialist acquirers in the partner network underwrite previously listed merchants when remediated controls and revised business practices are documented.

Past a threshold? We can help.

BZNpay introduces specialist and regulated merchants to acquirers in a 40+ partner network. If you're at risk of termination — or already terminated — we'll review your file and shortlist acquirers willing to underwrite you.

Submit your file