Network program guides

Measure the ratio.
Understand the distance.

Explore how monthly fraud and dispute activity can move a merchant or portfolio toward a reported monitoring threshold. Every control responds in real time.

These calculators are educational guides—not network determinations, compliance advice, or substitutes for your acquirer’s program reporting.

VAMP · U.S. guide

Visa Acquirer Monitoring Program

Visa source quotasq analysis & summary
VAMP ratio0.45%(800 TC40 + 1,000 TC15) ÷ 400,000 TC05 settled transactions
Approaching or partially meeting the guide

The ratio is close to the public threshold.

  • OpenAbove Standard ratio45 bps / ≥ 50 bps
  • OpenExcessive ratio45 bps / ≥ 70 bps
  • MetMonthly combined count1,800 / ≥ 1,500
Check the separate enumeration guide 5.0%
Enumeration conditions not both reached

500 bps ratio; 50,000 enumerated transactions. Public guide: ≥2,000 bps and ≥300,000.

Uses Visa’s public count formula and U.S. thresholds effective April 1, 2026. Exclusions, geography, data timing, merchant hierarchy, and acquirer status can change the determination.

GMAP · Provisional 2027

Mastercard Global Merchant Audit Program

Rules center quotasq analysis & summary

Not an official Mastercard determination. Bulletin GLB 14127.1 is not public. This model reflects reported industry summaries and must be validated before operational use.

Provisional GMAP ratio4.8%(3,000 fraud reports + 1,800 non-fraud disputes) ÷ 100,000 prior-month transactions
No provisional category reached

One or more reported conditions remain open.

  • MetHDM minimum activity100,000 / ≥ 5
  • MetHDM combined amount$7,500 / ≥ $5,000
  • OpenHDM ratio4.8% / ≥ 5%
  • OpenEDM amount + ratio$7,500 · 4.8% / ≥ $10,000 · ≥ 50%

Reported monthly assessment guide$0Category: No category. Actual assessments, timing, extensions, and liability depend on applicable rules and network/acquirer action.

Provisional effective-date assumption: April 1, 2027. Do not use this calculator for enforcement, reserves, termination, or legal conclusions.

Guides show the arithmetic. Your operating data shows the risk.quotasq offers modeling and integration services shaped around your transaction, fraud, dispute, merchant, and portfolio data. We’ll first confirm scope, pricing, and an integration plan.
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