VAMP AI ASSISTANT

ChatGPT for VAMP Compliance

Upload YOUR statements. AI calculates YOUR exact VAMP ratio from YOUR data.

ChatGPT can explain VAMP rules. MerchantGuard AI analyzes YOUR uploaded statements to calculate YOUR actual VAMP ratio (disputes + pre-disputes + TC40 / transactions). Then tells you YOUR exact timeline to thresholds, YOUR penalty costs, and how many disputes YOU can afford. Upload monthly to track YOUR trend and earn compliance rewards.

VAMP Calculation from YOUR Data:

1. Upload Stripe/Shopify/PayPal CSV
2. AI counts YOUR disputes, pre-disputes, TC40s
3. Calculates YOUR actual VAMP ratio (not estimates)
4. Shows YOUR timeline to 0.65% and 0.90% thresholds
5. Upload monthly to prove compliance + earn rewards

Check My VAMP Risk Now - Free

FREE for merchants under $10K/month. Get your GuardScore in 60 seconds.

What is VAMP?

Visa's Acquirer Monitoring Program (VAMP) tracks your dispute rate. If you exceed thresholds, Visa imposes escalating penalties on your payment processor - who passes them to you.

VAMP Thresholds (2025)

0.90%

Early Warning

+ 100 disputes/month

1.00%

Standard

$50/dispute penalty

1.80%

Excessive

$50-250/dispute + termination risk

The Problem: Most merchants don't know their current dispute rate until it's too late. By the time you breach VAMP Standard, you're already losing $50 per dispute. The AI calculates YOUR exact position before you breach.

Generic Advice vs. YOUR Data

See the difference when AI knows YOUR actual numbers

ChatGPT

You: "Am I at risk of VAMP penalties?"

ChatGPT: "VAMP Standard threshold is 1.00% dispute rate. If you exceed this, you'll face penalties. I recommend monitoring your chargeback rate and implementing fraud prevention measures."

❌ Generic. No calculation. Not actionable.

VAMP AI Assistant

You: "Am I at risk of VAMP penalties?"

VAMP AI: "Based on YOUR data: You're at 0.87% dispute rate with $43K monthly processing. You're 57 disputes away from Early Warning (0.90%) and 82 disputes from Standard (1.00%). At your current trajectory, you'll breach Standard in 34 days. To stay safe this month, keep disputes under 27 transactions. Want me to calculate what VAMP penalties would cost you?"

✅ Specific. Calculated. Actionable.

Questions You Can Ask the AI

"How many days until I hit VAMP Standard?"

"What's my current dispute rate?"

"How much will VAMP penalties cost me?"

"How many disputes can I afford this month?"

"Am I close to Early Warning threshold?"

"What happens if I breach VAMP Excessive?"

"How long do I have to fix my dispute rate?"

"Should I pause advertising to avoid VAMP?"

"What's the difference between RDR and VAMP?"

"Will my PSP terminate me for VAMP breaches?"

"How do I calculate my exact dispute ratio?"

"What counts as a dispute for VAMP?"

All answers personalized to YOUR GuardScore data.

How It Works

Get Your GuardScore (60 seconds)

Answer 12 questions about your business: processing volume, current dispute rate, PSPs, business model. The AI needs YOUR actual data to give accurate calculations.

AI Analyzes YOUR VAMP Position

MerchantGuard AI calculates your exact dispute ratio, compares it to VAMP thresholds (Early Warning, Standard, Excessive), and projects your timeline based on current trends.

Ask VAMP Questions in Chat

Like ChatGPT, but it knows YOUR numbers. Ask about timelines, costs, thresholds, action plans. Get instant, accurate answers specific to YOUR situation.

Check Your VAMP Risk - Free

FREE forever for merchants under $10K/month processing.

Don't wait until you're hit with $50/dispute penalties. Know YOUR exact VAMP position right now. Get your GuardScore in 60 seconds, then ask the AI anything about your VAMP risk.

Calculate My VAMP Risk Now

No signup. No credit card. Just honest VAMP analysis.

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