Are these the current thresholds?

VAMP thresholds (0.30% Above-Standard, 0.90% Excessive) are from the Visa Acquirer Monitoring Program effective April 1, 2025, replacing VDMP and VFMP. Mastercard ECM thresholds (1.50% chargeback ratio with 100+ chargebacks) and ECP (1.00% chargeback ratio with 100+ chargebacks) are from the long-standing Excessive Chargeback Merchant program. Both are verified against publicly available card network documentation; last reviewed May 2026.

Where do I find these numbers in Stripe?

Stripe Dashboard → Payments → All transactions shows total settled count. Stripe Dashboard → Radar → Reviews → Fraud reports lists TC40 fraud reports. Stripe Dashboard → Payments → Disputes lists chargebacks. Pull the count for one full calendar month at a time.

Does my volume affect ECM?

Yes. Mastercard ECM requires both a 1.50% chargeback ratio AND 100 absolute chargebacks in a calendar month. A small merchant with only 50 chargebacks per month is shielded from formal ECM enrollment regardless of ratio. VAMP has no volume floor — the ratio applies at any volume.

Why is my real number higher than this calculator says?

Two reasons. First, this is a current-month calculator — Visa TC40 fraud reports are filed by issuing banks 1-30 days after the fraud, so the current-month number keeps growing for weeks. Second, your acquirer's enrollment decision uses a multi-month look-back, not the current month alone.

What should I do if I'm Above Standard?

Above-Standard (VAMP 0.30%+ or ECP 1.00%+) is the early-warning tier. The acquirer is monitoring but not yet escalating. This is the optimal window to deploy structural fixes — tightened Stripe Radar rules, dynamic 3DS gating, Ethoca and Verifi dispute interception — before the ratio climbs into Excessive. The Chargeback Rescue service page details the structural moves.

VAMP & ECM Payment Risk Calculator — Free Tool for Subscription Apps

Visa VAMP Combined Ratio

VAMP measures fraud + non-fraud disputes against settled transactions as a single combined ratio. Effective since April 1, 2025.

Monthly fraud (TC40)

Monthly chargebacks (TC15)

Total settled transactions

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Enter values to see tier

VAMP combined ratio = (fraud + chargebacks) ÷ settled transactions.

Tier	Threshold	What it means
Below standard	< 0.30%	No program enforcement
Above Standard	≥ 0.30%	Acquirer monitoring + remediation plan required
Excessive	≥ 0.90%	Per-dispute assessments + offboarding risk

Exit either tier: combined ratio below threshold for 3 consecutive calendar months.

Mastercard ECM Chargeback Ratio

ECM measures chargeback count against transaction volume. Requires both a percentage breach AND 100+ absolute chargebacks in a calendar month.

Monthly chargebacks

Total monthly transactions

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Enter values to see tier

ECM chargeback ratio = chargeback count ÷ transaction count. Floor: 100 chargebacks in a single calendar month.

Tier	Ratio	Absolute count	What it means
Below	< 1.00%	any	No program enforcement
ECP (Early Warning)	≥ 1.00%	≥ 100	Acquirer monitoring begins
ECM (Full)	≥ 1.50%	≥ 100	Formal program enrollment + per-dispute assessments

Exit either tier: ratio + count below thresholds for 3 consecutive calendar months.

About the math. These calculators use the published card network formulas. Outputs are estimates of your current-month position — the official acquirer measurement looks at multi-month rolling windows and includes additional fields (e.g., TC40 fraud reports for VAMP keep arriving from issuing banks for up to 30 days after the fraud occurred). Treat the calculator output as a leading indicator, not as the acquirer's official measurement.

When to act on the result

1Below threshold: No action required. Keep monitoring monthly — the ratios move faster than most teams expect.
2VAMP Above-Standard (0.30%+) or ECP (1.00%+): Optimal window. Acquirer hasn't escalated yet, and you have the widest solution space. Deploy structural fixes — Stripe Radar rule rebuild, dynamic 3DS gating, Ethoca and Verifi integration.
3VAMP Excessive (0.90%+) or ECM (1.50%+): Urgent. The acquirer is escalating, processor risk teams are reviewing, and the window before per-dispute assessments or offboarding is narrow. Engage rescue work immediately.

About the calculator

Built by Georges Rayess, who drove the chargeback rate at a privacy-focused subscription app from 13% to below 1% and exited Mastercard ECM. The calculator runs entirely client-side — your inputs never leave your browser. Connect on LinkedIn for updates.

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VAMP & ECM Risk Calculator

Visa VAMP Combined Ratio

Mastercard ECM Chargeback Ratio

When to act on the result

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