What is the difference between VDMP and VFMP?

VDMP (Visa Dispute Monitoring Program) tracks chargeback ratio. VFMP (Visa Fraud Monitoring Program) tracks fraud-confirmed transaction ratio. Many merchants trigger both simultaneously because chargebacks correlate with fraud.

Can I be terminated immediately?

Mastercard High Excessive Chargeback Merchant status (>1.5% count ratio) triggers $1,000 per chargeback issuer assessments immediately. Sustained breach for 6 months can trigger acquirer termination — Mastercard does not terminate directly, but acquirers exit fast.

How do I exit a programme?

Stay below the exit threshold for the required number of consecutive months. VDMP: below 0.65% for 4 months. ECP: below 0.75% for 3 months. High Excessive: below 1.0% for 6 months. The clock resets on every month above threshold.

Should I just switch acquirer?

No — your chargeback history follows you. Acquirers query the MATCH database before onboarding. A clean acquirer move is only viable after you have fixed the underlying fraud / dispute root cause.

CalculatorUpdated May 2026

Are you about to trigger Visa VDMP or Mastercard ECP?

Five inputs. Exact answer with day-counts to consequence and the official exit criteria.

Visa and Mastercard publish exact thresholds. Most operators have no idea where they sit until the acquirer letter arrives. Five inputs, exact ratio, exact programme, exact days until financial consequence.

Your monthly chargeback profile

Monthly transactionsMonthly chargebacksMonthly sales volume (€)Monthly chargeback volume (€)Months above threshold

Count-based ratio

0.85%

$-based ratio

0.90%

Days to consequence

Visa VDMP (Standard)
At threshold
Threshold: 0.9% (count, ≥100 chargebacks/mo)
Consequence: After 4 months above 0.9%, monthly fines start at $25k and escalate. After 12 months you can be terminated.
Exit criteria: Stay below 0.65% for 4 consecutive months.
Mastercard ECP (Excessive Chargeback Programme)
At threshold
Threshold: 1.0% (count, ≥100 chargebacks/mo)
Consequence: Triggers ECP issuer assessments. After consistent breach, escalates to High Excessive ($1k/chargeback).
Exit criteria: Below 0.75% for 3 consecutive months.

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⚠ For informational purposes only. This is not legal, tax, or financial advice. Verify with a qualified advisor before acting on any output.

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Methodology & sources

Visa VDMP triggers at 0.9% count ratio (≥100 chargebacks/month). Mastercard ECP at 1.0%. Mastercard High Excessive at 1.5%. The model treats both schemes as binary triggers — if you are above the threshold, you are in the programme.

Day-counts to consequence are calibrated against published Visa and Mastercard escalation timelines. VDMP gives ~4 months grace before fines start; ECP escalates faster; High Excessive is immediate.

Not modelled: VFMP (fraud-only), specific issuer assessments by region, and acquirer-imposed reserves which often trigger before scheme penalties.

Frequently asked questions

What is the difference between VDMP and VFMP?: VDMP (Visa Dispute Monitoring Program) tracks chargeback ratio. VFMP (Visa Fraud Monitoring Program) tracks fraud-confirmed transaction ratio. Many merchants trigger both simultaneously because chargebacks correlate with fraud.
Can I be terminated immediately?: Mastercard High Excessive Chargeback Merchant status (>1.5% count ratio) triggers $1,000 per chargeback issuer assessments immediately. Sustained breach for 6 months can trigger acquirer termination — Mastercard does not terminate directly, but acquirers exit fast.
How do I exit a programme?: Stay below the exit threshold for the required number of consecutive months. VDMP: below 0.65% for 4 months. ECP: below 0.75% for 3 months. High Excessive: below 1.0% for 6 months. The clock resets on every month above threshold.
Should I just switch acquirer?: No — your chargeback history follows you. Acquirers query the MATCH database before onboarding. A clean acquirer move is only viable after you have fixed the underlying fraud / dispute root cause.

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Disclaimer

This calculator is for informational purposes only. It does not constitute legal, tax, or financial advice. Licence fees, tax rates, and regulatory requirements change. You must consult a qualified advisor in each relevant jurisdiction before making any commercial or investment decision. GetBanked and BMC Strategic Inc accept no liability for decisions made on the basis of these calculations.