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Disputed.ai launches free VAMP calculator to help businesses with Visa compliance

Monday, November 10, 2025 — 19:03:24 (UTC)

ORTLAND, Ore. — November 10, 2025 — Disputed.ai, an AI-native chargeback management platform, today announced the launch of its free VAMP Calculator, designed to help merchants and payment processors gain visibility into their standing under Visa's Acquirer Monitoring Program (VAMP). With Visa enforcement escalating in October 2025 and stricter thresholds set for 2026, the tool provides critical early warning for businesses at risk of penalties or account termination.

The calculator uses the same methodology Visa employs to calculate the VAMP ratio—a unified metric combining fraud disputes (TC40) and non-fraud disputes (TC15). Merchants exceeding the 1.5% threshold (dropping to 0.9% in April 2026) face $8 per dispute in fees and potential loss of Visa processing privileges.

"VAMP visibility shouldn't require guesswork," said Shawn Kelley, CEO and Co-Founder of Disputed.ai. "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."

Since launching, the calculator has completed over 1,000 assessments, helping merchants understand whether they're approaching excessive thresholds. The challenge is compounded by VAMP's methodology: many merchants are seeing higher ratios than under previous monitoring programs, and acquirers are often setting internal thresholds well below Visa's limits.

**The VAMP Calculator is available at: disputed.ai/resources/vamp-compliance-calculator**

About Disputed.ai

Disputed.ai is an AI-native chargeback management platform for enterprise merchants. Founded by former merchants and technologists from SeatGeek and NASA's Jet Propulsion Laboratory, the company combines artificial intelligence with deep industry expertise to help businesses recover revenue and maintain card network compliance. Disputed.ai raised $1.1 million in seed funding in March 2025. For more information, visit www.disputed.ai

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Source: Company press release.

Categories: New Product