What chargeback ratio is acceptable?
Below 0.65% of card-not-present transactions keeps you outside Visa's VAMP monitoring. Underwriters treat anything sustained above 1% as a serious problem, and above 1.5% you are into the excessive tier.
Ratios are calculated on card-not-present volume, and the denominator matters as much as the numerator — a quiet month with the same number of disputes moves the ratio against you.
Treat these as the operating bands rather than exact scheme definitions, which change:
- Under 0.65% — outside Visa’s monitoring thresholds. This is where you want to sit.
- 0.65% to 0.9% — visible. Not yet a programme, but an underwriter will ask about it.
- Above 0.9% — the range where monitoring programmes and their fees begin.
- Sustained above 1.5% — the excessive tier, with real consequences attached.
A single bad month is survivable and underwriters know it. What they read is the trend, which is why a rising ratio at 0.8% can be a harder conversation than a flat one at 1.1%.
Two things skew the number. A dispute counts when it is filed, not when you win it, so fighting and winning still moves the ratio in the month it was raised. And a sudden drop in volume raises the ratio without a single extra dispute.
Last reviewed
20 September 2026. Regulation in this area moves. Check the primary sources below before acting on anything here, and treat this page as orientation rather than legal advice.
- Visa Acquirer Monitoring Program overview Visa publishes its acquirer monitoring programme thresholds and definitions