SmartChargeback VAMP Ratio Calculator
Enter Visa settled transactions, TC40 fraud count, and TC15 dispute count to estimate monthly VAMP ratio and risk level.
Inputs
Visa settled transactions, TC40, TC15, region, and month.
Risk output
VAMP ratio, risk level, and whether the account is close to a common warning line.
Usage analytics
Each anonymous calculation helps you monitor usage and risk distribution.
SmartChargeback VAMP Ratio Calculator
How to read VAMP ratio
A practical internal warning view is TC40 fraud count plus TC15 dispute count, divided by Visa settled transactions. It puts fraud and dispute signals into one monthly view.
This tool is for early risk monitoring. It does not replace formal notices from Visa, your acquirer, or your PSP, and actual measurement can vary by region and arrangement.
When to pay attention
If TC40 or TC15 grows quickly in a given month, review traffic source, campaigns, billing descriptor clarity, refund routing, and customer support response.
The earlier the trend is visible, the more time teams have to reduce risky traffic, use pre-dispute tools, and tune fraud screening.