Chargeback Ratio Calculator: Check Visa & Mastercard Thresholds

Chargeback ratio calculator

See your dispute rate the way Visa and Mastercard measure it, and how close you are to the levels that trigger monitoring programs and fines.

Your numbers this month

Card transactions this month Chargebacks / disputes this month Fraud reports this month (if you know them) Card transactions last month

Fraud reports (Visa TC40s) count toward Visa's ratio. Your processor can tell you how many you had.

Dispute ratio0%

Visa-style ratio0%

Mastercard-style ratio0%

Program	Threshold	You

Thresholds as reported for 2026: Visa VAMP "Excessive" is 1.5% with 1,500+ fraud and dispute reports in the US (2.2% in some regions); Mastercard's Excessive Chargeback program starts at 100+ chargebacks and 1.5%, and its high tier at 300+ and 3%. Networks measure differently and change these rules, so confirm with your processor. This is an estimate, not advice.

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