Under Visa's VAMP, a chargeback you win still lands in your ratio — the count is what's monitored, not the outcome. So the honest lever isn't fighting harder. It's getting ahead of the disputes before they're filed. That's the part we help with.
In 2025 Visa folded its old dispute and fraud monitoring programs (VDMP + VFMP) into one: the Acquirer Monitoring Program. It watches a single count-based ratio across your card-not-present Visa transactions.
Both counts are outcome-blind: a dispute you later win still sits in the numerator, and a fraud report that becomes a chargeback is counted on both sides. The only way a dispute stays out of the ratio is if it's never filed.
The ratio applies once you clear ~1,500 applicable CNP transactions in a month.
The merchant "excessive" line tightens from 2.2% to 1.5% on April 1, 2026 — a moving target.
The advisory period ended; fines (roughly $8 per dispute at excessive levels) have applied since October 2025.
Visa also tracks a separate enumeration ratio for card-testing (BIN-attack) traffic, for merchants seeing 300,000+ enumerated authorizations.
Representment recovers the money on a chargeback that's already been filed — which is exactly why it's the core of what we (and everyone else) do. But that chargeback was counted the moment it was filed, win or lose. If a tool tells you its win rate will fix your VAMP standing, read the fine print.
What actually moves the ratio is a smaller numerator: fewer disputes and fraud reports getting filed in the first place. That's a prevention and root-cause problem — and it's where the leverage is.
Radar reads your entire dispute stream every night and surfaces what's driving the count — each finding with a recommended action. It's built to shrink the numerator at the source, not just react to it.
A jump in fraud-coded chargebacks — often on one product or BIN range — is flagged before it drags your ratio up, so you can tighten rules or pause the SKU while it still matters. Fewer TC40s and TC15s at the source.
Lowers the numeratorRadar spots the same customer filing across your brands and lets you blacklist them workspace-wide — cutting off the next dispute before it's filed instead of fighting each one after the fact.
Lowers the numeratorChargeback-rate and win-rate signals per processor, product, and reason code show you where the count is climbing — and whether it's a broken integration, a problem SKU, or a fraud pattern — while there's still time to act.
Root-cause visibilityRecurring-billing disputes spiking on a plan or rebill cycle point at unclear messaging or a hard-to-find cancel flow. Radar surfaces it so you fix the cause — the cheapest dispute is the one that never happens.
Root-cause visibilityEven though it doesn't move your ratio, you should still win the disputes you do get — that's revenue you'd otherwise hand over. DisputeDash automates the whole representment, with a transparent evidence engine and, on Visa fraud cases, Compelling Evidence 3.0. Think of it as protecting the revenue while Radar works the ratio.
The strongest way to keep a dispute out of the count entirely is to resolve it before it's filed — via issuer alert networks (Ethoca / Verifi). DisputeDash supports pre-dispute alert resolution on self-hosted and enterprise deployments; talk to us if a monitoring program has you close to a threshold and you need that layer.
Radar reads your disputes nightly and tells you what's driving the count — with a next step on every finding. Start free and see what it surfaces.