For Stripe merchants selling online
Know your Visa VAMP ratio before your acquirer does — and stop disputes before they count against it.
VAMP counts fraud reports and disputes against your card-not-present sales. Move the sliders to see your ratio, your headroom under Visa's thresholds and what disputes already cost you.
- Uses Visa's published VAMP formula
- Compelling Evidence 3.0 vault for repeat-customer disputes
- Pre-dispute alerts routed to automatic refunds
VAMP ratio calculator
Monthly numbers from your Stripe dashboard are enough.
Issuer fraud reports — Stripe shows these as early fraud warnings.
Your VAMP ratio
0.7%
Below 0.9%, but with little headroom
- Fraud reports + disputes counted
- 140
- Most you can have below 0.9%
- 179
- Reduction needed to get below 0.9%
- 0
- Stripe dispute fees per month
- $900
You can absorb about 39 more fraud reports or disputes a month before reaching 0.9%.
VAMP ratio = (fraud reports (TC40) + disputes (TC15)) ÷ settled card-not-present Visa transactions in the same month. Visa's published 'excessive' merchant threshold is 1.5% from April 2025, tightening to 0.9% from January 2026 in the US, Canada, Europe and Asia-Pacific. Visa also applies minimum monthly counts before flagging a merchant — check your acquirer's current threshold. Dispute fees assume Stripe's standard $15 per dispute.
Stay below the line — automatically
Connect Stripe with read access. Cancel anytime.
Monitor
Merchants who need the warning light
$59/month
- Daily VAMP ratio & headroom
- Threshold alerts by email & Slack
- 1 Stripe account
Shield
Merchants actively fighting disputes
$129/month
- Everything in Monitor
- CE 3.0 evidence vault
- Pre-dispute auto-refund rules
- Up to 3 Stripe accounts
Platform
Platforms & agencies with many accounts
$299/month
- Everything in Shield
- Unlimited Stripe accounts
- Per-account risk dashboard
- API & webhooks
Prices in USD, excluding applicable taxes. Annual plans include 2 months free.
What VampShield does for you
Live VAMP ratio
Ratio and headroom recalculated daily from your Stripe data, with alerts before you cross a threshold.
CE 3.0 evidence vault
Stores the prior-transaction evidence Visa's Compelling Evidence 3.0 rules ask for, ready to submit.
Pre-dispute deflection
Routes early dispute alerts to automatic refunds so they never become a counted dispute.
Ratio history
Month-by-month ratio, top dispute reasons and the products driving them.
Questions, answered
Can I use VampShield today?
VampShield is opening in weekly cohorts. Choosing a plan costs nothing today and no card is taken. You'll get one email when your cohort opens, with a 40% lifetime founding discount applied.
Is VampShield affiliated with Visa or Stripe?
No. VampShield is an independent tool that connects to Stripe with read access. It is not endorsed by Visa or Stripe.
Is the calculator exact?
It applies Visa's published formula to the numbers you enter. Your acquirer's monthly report is the official figure.
What is Compelling Evidence 3.0?
A Visa rule set that lets merchants answer certain fraud disputes by showing prior undisputed transactions from the same customer with matching details such as IP address or device. VampShield collects those records for you.