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aria-current="false">Platforms</a></div></li></ul></div></div><main id="main" class="relative flex mx-auto w-full lg:w-full md:pb-16 max-w-[1232px] pt-6 pb-24 px-6 lg:px-0"><div class="w-full pl-0 lg:pl-8 xl:px-16"><header class="mb-8 grid gap-4"><div class="grid gap-8"><nav aria-label="Breadcrumb"><ol class="flex flex-wrap items-center gap-1 text-sm leading-4"><li><a href="/docs/business-operations" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer inline hover:underline link-text text-sm leading-4 font-light text-black-secondary" id="ga-breadcrumb">Business operations</a></li><span class="select-none" aria-hidden="true">/</span><li><a href="/docs/business-operations/manage-disputes" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer inline hover:underline link-text text-sm leading-4 font-light text-black-secondary" id="ga-breadcrumb">Manage disputes</a></li><span class="select-none" aria-hidden="true">/</span><li><a href="/docs/business-operations/manage-disputes/dispute-monitoring-programs" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer inline hover:underline link-text text-sm leading-4 font-medium text-black" aria-current="page" id="ga-breadcrumb">Dispute monitoring programs</a></li></ol></nav><h1 class="flex items-center gap-4 font-semibold text-black max-[376px]:text-[32px] max-[376px]:leading-10 text-[40px] leading-[48px]">Dispute monitoring programs</h1></div><p class="text-sm font-light leading-4 text-black">Last updated: <!-- -->March 5, 2024</p></header><div class="w-full xl:max-w-[864px]"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Card schemes (like Visa and Mastercard) monitor your dispute activity month by month, comparing it to your sales. If the number of disputes (also known as chargebacks) you receive exceeds the levels deemed acceptable by the scheme, you may be placed on their monitoring program.</p><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Once you’re on a program, the scheme can charge you monthly fines and additional fees, until you reduce the dispute activity back down to acceptable levels.</p><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">We will let you know if you’re at risk of being placed, or have been placed, on a program, and work with you to reduce your disputes.</p><div class="relative grid gap-6 p-6 rounded-lg text-black w-full bg-blue-500 mb-10"><div class="flex gap-4 items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="inline-block shrink-0 w-6 h-6"><circle cx="7.5" cy="7.5" r="7" stroke="currentColor"></circle><path fill="currentColor" d="M7 10V3h1v7zM8 12H7v-1h1z"></path></svg><h3 class="text-lg leading-6 font-semibold">Information</h3></div><div class="[&amp;&gt;*]:mb-0"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">To learn how to handle and help reduce chargebacks, read our guide on <a href="/docs/risk-management/disputes/responding-to-disputes" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">responding to disputes</a>.</p></div></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">If you fail to comply within a specified time period (this depends on the scheme), the scheme can refuse to continue processing your payments. This is rare, but it&#x27;s best to take immediate action if you&#x27;re enrolled on a program.</p><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Learn about <a href="/docs/business-operations/manage-disputes/dispute-monitoring-programs#Visa&#x27;s_dispute_monitoring_program" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">Visa’s</a> and <a href="/docs/business-operations/manage-disputes/dispute-monitoring-programs#Mastercard&#x27;s_dispute_monitoring_program" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">Mastercard’s</a> dispute monitoring programs below.</p><div class="relative grid gap-6 p-6 rounded-lg text-black w-full bg-blue-500 mb-10"><div class="flex gap-4 items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="inline-block shrink-0 w-6 h-6"><circle cx="7.5" cy="7.5" r="7" stroke="currentColor"></circle><path fill="currentColor" d="M7 10V3h1v7zM8 12H7v-1h1z"></path></svg><h3 class="text-lg leading-6 font-semibold">Information</h3></div><div class="[&amp;&gt;*]:mb-0"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">If you need help or have any questions about the dispute monitoring programs, contact our Risk team at <a href="/cdn-cgi/l/email-protection#fc8e958f97bc9f94999f97938988d29f9391" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100" rel="noopener noreferrer"><span class="__cf_email__" data-cfemail="6e1c071d052e0d060b0d05011b1a400d0103">[email&#160;protected]</span></a>.</p></div></div><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">Visa&#x27;s Dispute Monitoring Program</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="VisasDisputeMonitoringProgram" id="Visa&#x27;s_Dispute_Monitoring_Program"></span></div><div class="relative grid gap-6 p-6 rounded-lg text-black w-full bg-blue-500 mb-10"><div class="flex gap-4 items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="inline-block shrink-0 w-6 h-6"><circle cx="7.5" cy="7.5" r="7" stroke="currentColor"></circle><path fill="currentColor" d="M7 10V3h1v7zM8 12H7v-1h1z"></path></svg><h3 class="text-lg leading-6 font-semibold">Information</h3></div><div class="[&amp;&gt;*]:mb-0"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Effective April 2025, the <a href="/docs/business-operations/manage-disputes/fraud-monitoring-programs#Visa&#x27;s_Acquirer_Monitoring_Program" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">Visa Acquirer Monitoring Program (VAMP)</a> consolidates and replaces the Visa Fraud Monitoring Program (VFMP) and Visa Disputes Monitoring Program (VDMP).</p></div></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">The Visa Dispute Monitoring Program (VDMP) is a merchant-level dispute monitoring program that is used to:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">Identify merchants with excessive levels of disputes.</li><li class="[&amp;&gt;*]:mb-0">Implement corrective plans to protect the integrity of the payment system.</li></ul><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">The VDMP has four program timelines.</p><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Breaching both the VFMP and VDMP in the same month</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="BreachingboththeVFMPandVDMPinthesamemonth" id="Breaching_both_the_VFMP_and_VDMP_in_the_same_month"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">If you exceed both the VDMP and <a href="/docs/risk-management/disputes/fraud-monitoring-programs#Visa&#x27;s_fraud_monitoring_program" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">Visa Fraud Monitoring Program (VFMP)</a> program thresholds in the same month would enter each program as separate identifications. Each case will continue in their respective program until they are remediated. However, if you are subject to assessments in both programs, the VDMP assessment will take precedence. Visa could still release 10.5 Dispute rights for the VFMP case.</p><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Program exit criteria</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="Programexitcriteria" id="Program_exit_criteria"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">To exit the VDMP, you need to perform below the <a href="/docs/business-operations/manage-disputes/dispute-monitoring-programs#VDMP_thresholds,_timelines,_and_fines" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">Standard program thresholds</a> for three consecutive months, no matter what timeline you&#x27;re in. If you perform below the Standard program thresholds for less than the required three consecutive months:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">Your program status continues from the previous identification.</li><li class="[&amp;&gt;*]:mb-0">The required three consecutive months restart the next month you&#x27;re below Standard program thresholds.</li></ul><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Suspension of non-compliance assessments</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="Suspensionofnoncomplianceassessments" id="Suspension_of_non-compliance_assessments"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Visa may suspend or waive non-compliance assessments (fines), in whole or in part, to accommodate unique or extenuating circumstances. Through submission of a remediation plan, the acquirer can make requests for temporary suspension, or waiver of non-compliance assessments, on your behalf. This remediation plan should:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">State the root causes of the identification.</li><li class="[&amp;&gt;*]:mb-0">Demonstrate actions taken to restore compliance.</li><li class="[&amp;&gt;*]:mb-0">Outline milestones acceptable to Visa and dates for all corrective actions.</li></ul><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Suspension of non-compliance assessments and program fees are:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">At Visa’s sole discretion</li><li class="[&amp;&gt;*]:mb-0">For a set period of time</li></ul><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">If granted, the non-compliance assessment and program fees will continue to accrue during the suspension period. If you&#x27;re unable to perform below program thresholds during the suspension period and are identified afterwards, the accrued non-compliance assessment may be levied.</p><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">VDMP thresholds, timelines, and fines</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="VDMPthresholdstimelinesandfines" id="VDMP_thresholds,_timelines,_and_fines"></span></div><button type="button" aria-hidden="true" style="position:fixed;top:1px;left:1px;width:1px;height:0;padding:0;margin:-1px;overflow:hidden;clip:rect(0, 0, 0, 0);white-space:nowrap;border-width:0"></button><div class=""><div class="w-full border-b border-grey-100" role="tablist" aria-orientation="horizontal"></div><div class="pt-4"><div class="" aria-hidden="false" id="headlessui-tabs-panel-:R16hktlan6:" role="tabpanel" tabindex="0" data-headlessui-state="selected"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Applies if you are non-High Risk Merchant Category Code (MCC) and meet or exceed both of the Standard dispute thresholds</p><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Thresholds</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="Thresholds" id="Thresholds"></span></div><div class="overflow-x-auto"><table class="group border-separate border-spacing-0 docs-table md:w-full table-fixed mb-10"><tbody><tr class="w-full table-auto"><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Number of disputes</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Dispute-to-sales ratio</th></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">100</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">0.90%</p></td></tr></tbody></table></div><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Timeline, fines, and fees - above the VDMP Standard thresholds</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="TimelinefinesandfeesabovetheVDMPStandardthresholds" id="Timeline,_fines,_and_fees_-_above_the_VDMP_Standard_thresholds"></span></div><div class="overflow-x-auto"><table class="group border-separate border-spacing-0 docs-table md:w-full table-fixed mb-10"><tbody><tr class="w-full table-auto"><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Month 1</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Months 2-4</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Months 5-9</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Months 10-11</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Months 12+</th></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Notification:<br/>No fines</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Workout:<br/>No fines</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Enforcement:<br/>$50 per dispute</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Enforcement:<br/> $50 per dispute and $25,000 review fee</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Enforcement:<br/></p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">$50 per dispute and $25,000 review fee</li><li class="[&amp;&gt;*]:mb-0">Eligible to be disqualified</li></ul></td></tr></tbody></table></div></div><div class="hidden" aria-hidden="true" id="headlessui-tabs-panel-:R1ahktlan6:" role="tabpanel" tabindex="-1" data-headlessui-state=""><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Applies if you meet or exceed both of the Excessive dispute thresholds.</p><div class="relative grid gap-6 p-6 rounded-lg text-black w-full bg-yellow-400 mb-10"><div class="flex gap-4 items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" focusable="false" class="inline-block shrink-0 w-6 h-6"><path fill="currentColor" d="M12.1 18.1c-.3.2-.7 0-.9-.1l-.1-.3-.1-.3v-.3l.2-.3.6-.2h.3l.3.2.1.3.1.3v.3l-.2.3zm.5-3.9a.8.8 0 0 1-1.6 0V7.8a.8.8 0 0 1 1.6 0z"></path><path stroke="currentColor" d="M14.2 2.8a2.5 2.5 0 0 0-4.4 0L1.3 17.4c-1 1.7.2 3.8 2.2 3.8h17c2 0 3.2-2.1 2.2-3.8L14.2 2.7z"></path></svg><h3 class="text-lg leading-6 font-semibold">Note</h3></div><div class="[&amp;&gt;*]:mb-0"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">You will remain in the Excessive timeline until you fully remediate out of the program. You will not be moved to the Standard timeline even if your performance drops below the monthly <a href="/docs/business-operations/manage-disputes/dispute-monitoring-programs#Thresholds" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">Excessive program thresholds</a>.</p></div></div><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Thresholds</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="Thresholds" id="Thresholds"></span></div><div class="overflow-x-auto"><table class="group border-separate border-spacing-0 docs-table md:w-full table-fixed mb-10"><tbody><tr class="w-full table-auto"><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Number of disputes</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Dispute-to-sales-ratio</th></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">1000</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">1.80%</p></td></tr></tbody></table></div><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Timeline, fines, and fees - above the VDMP Excessive thresholds</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="TimelinefinesandfeesabovetheVDMPExcessivethresholds" id="Timeline,_fines,_and_fees_-_above_the_VDMP_Excessive_thresholds"></span></div><div class="overflow-x-auto"><table class="group border-separate border-spacing-0 docs-table md:w-full table-fixed mb-10"><tbody><tr class="w-full table-auto"><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Months 1-6</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Months 7-11</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Months 12+</th></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Enforcement:<br/>$50 per dispute</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Enforcement:<br/> $50 per dispute and $25,000 review fee</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Enforcement:<br/></p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">$50 per dispute and $25,000 review fee</li><li class="[&amp;&gt;*]:mb-0">Eligible to be disqualified</li></ul></td></tr></tbody></table></div></div><div class="hidden" aria-hidden="true" id="headlessui-tabs-panel-:R1ehktlan6:" role="tabpanel" tabindex="-1" data-headlessui-state=""><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Applies if you are:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">Categorized by a High Risk MCC as defined in the Visa Rules</li><li class="[&amp;&gt;*]:mb-0">Moved from the Standard timeline to the High Risk timeline, based on Visa’s determination that you harm the goodwill of the Visa Payment System</li></ul><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">High Brand Risk MCCs</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="HighBrandRiskMCCs" id="High_Brand_Risk_MCCs"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">For all Card-Absent transactions using the following MCCs:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">5962 (Direct Marketing - Travel-Related Arrangement Services)</li><li class="[&amp;&gt;*]:mb-0">5966 (Direct Marketing - Outbound Telemarketing Merchants)</li><li class="[&amp;&gt;*]:mb-0">5967 (Direct Marketing - Inbound Telemarketing Merchants)</li><li class="[&amp;&gt;*]:mb-0">7273 (Dating and Escort Services)</li><li class="[&amp;&gt;*]:mb-0">7995 (Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks)</li><li class="[&amp;&gt;*]:mb-0">5122 (Drugs, Drug Proprietaries, Druggist Sundries)</li><li class="[&amp;&gt;*]:mb-0">5912 (Drug Stores, Pharmacies)</li><li class="[&amp;&gt;*]:mb-0">5993 (Cigar Stores and Stands)</li></ul><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">For certain Card-Absent transactions using the following MCCs:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">4816 (Computer Network/Information Services): Sale of access to cyberlockers or remote digital file-sharing services</li><li class="[&amp;&gt;*]:mb-0">5816 (Digital Goods - Games): Skilled game wagering such: daily fantasy sports</li><li class="[&amp;&gt;*]:mb-0">6051 (Non-Financial Institutions): Sale of cryptocurrencies, funding of crypto wallets or initial coin offerings</li></ul><div class="relative grid gap-6 p-6 rounded-lg text-black w-full bg-blue-500 mb-10"><div class="flex gap-4 items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="inline-block shrink-0 w-6 h-6"><circle cx="7.5" cy="7.5" r="7" stroke="currentColor"></circle><path fill="currentColor" d="M7 10V3h1v7zM8 12H7v-1h1z"></path></svg><h3 class="text-lg leading-6 font-semibold">Information</h3></div><div class="[&amp;&gt;*]:mb-0"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">In the AP, Canada, CEMEA, Europe, and LAC Regions, 5122, 5912, and 5993 only apply if you conduct transactions other than domestic transactions.</p></div></div><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Timeline, fines, and fees - above the VDMP Standard thresholds with High Risk MCC</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="TimelinefinesandfeesabovetheVDMPStandardthresholdswithHighRiskMCC" id="Timeline,_fines,_and_fees_-_above_the_VDMP_Standard_thresholds_with_High_Risk_MCC"></span></div><div class="overflow-x-auto"><table class="group border-separate border-spacing-0 docs-table md:w-full table-fixed mb-10"><tbody><tr class="w-full table-auto"><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Months 1-6</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Months 7-11</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Months 12+</th></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Enforcement:<br/>$50 per dispute</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Enforcement:<br/> $50 per dispute and $25,000 review fee</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Enforcement:<br/></p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">$50 per dispute and $25,000 review fee</li><li class="[&amp;&gt;*]:mb-0">Eligible to be disqualified</li></ul></td></tr></tbody></table></div></div><div class="hidden" aria-hidden="true" id="headlessui-tabs-panel-:R1ihktlan6:" role="tabpanel" tabindex="-1" data-headlessui-state=""><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Applies if you have not breached the VDMP Standard thresholds, but have exceeded both Early Warning thresholds in the previous calendar month.</p><div class="relative grid gap-6 p-6 rounded-lg text-black w-full bg-blue-500 mb-10"><div class="flex gap-4 items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="inline-block shrink-0 w-6 h-6"><circle cx="7.5" cy="7.5" r="7" stroke="currentColor"></circle><path fill="currentColor" d="M7 10V3h1v7zM8 12H7v-1h1z"></path></svg><h3 class="text-lg leading-6 font-semibold">Information</h3></div><div class="[&amp;&gt;*]:mb-0"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Early Warning notifications provide you with an opportunity to reduce dispute levels before identification in the VDMP, and do not count towards the program timeline.</p></div></div><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Thresholds</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="Thresholds" id="Thresholds"></span></div><div class="overflow-x-auto"><table class="group border-separate border-spacing-0 docs-table md:w-full table-fixed mb-10"><tbody><tr class="w-full table-auto"><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Number of disputes</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Dispute-to-sales ratio</th></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">75</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">0.65%</p></td></tr></tbody></table></div><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Timeline, fines, and fees - above the VDMP Early Warning thresholds</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="TimelinefinesandfeesabovetheVDMPEarlyWarningthresholds" id="Timeline,_fines,_and_fees_-_above_the_VDMP_Early_Warning_thresholds"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">There are no fines or additional fees for receiving an early warning.</p></div></div></div><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Example: Visa Violation Month May 2022 (Computations made in June 2022)</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="ExampleVisaViolationMonthMayComputationsmadeinJune" id="Example:_Visa_Violation_Month_May_2022_(Computations_made_in_June_2022)"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">The VDMP uses disputes and sales transactions processed in the previous calendar month. The formula used for the dispute-to-sales ratio calculation is:<br/> <em>Dispute-to-sales count ratio = Count of disputes issued during the month / Count of sales during the month</em></p><div class="overflow-x-auto"><table class="group border-separate border-spacing-0 docs-table md:w-full table-auto md:table-fixed mb-10"><tbody><tr class="w-full table-auto"><th scope="row" class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Count of Visa disputes issued in May 2022</p></th><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">175</p></td></tr><tr class="w-full table-auto"><th scope="row" class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Count of Visa sales in May 2022</p></th><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">5500</p></td></tr><tr class="w-full table-auto"><th scope="row" class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Dispute-to-sales count ratio for May 2022</p></th><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">3.18%</p></td></tr><tr class="w-full table-auto"><th scope="row" class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Result</p></th><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Breaching the standard thresholds of the VDMP</p></td></tr></tbody></table></div><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Additional information for VDMP</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="AdditionalinformationforVDMP" id="Additional_information_for_VDMP"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Program monitoring includes domestic transactions and international transactions for the following acquirer regions:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">AP Region (Australia)</li><li class="[&amp;&gt;*]:mb-0">Canada Region</li><li class="[&amp;&gt;*]:mb-0">Europe Region (France, Germany, United Kingdom)</li><li class="[&amp;&gt;*]:mb-0">LAC Region (Brazil)</li><li class="[&amp;&gt;*]:mb-0">US Region</li></ul><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">For all remaining regions, VDMP monitoring only includes international transactions:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">Only the first ten disputes between you, and a single account number in a given calendar month, are counted for the purpose of the VDMP.</li><li class="[&amp;&gt;*]:mb-0">Dispute Code 10.5 (Visa Fraud Monitoring Program) is excluded from VDMP.</li></ul><div class="relative grid gap-6 p-6 rounded-lg text-black w-full bg-blue-500 mb-10"><div class="flex gap-4 items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="inline-block shrink-0 w-6 h-6"><circle cx="7.5" cy="7.5" r="7" stroke="currentColor"></circle><path fill="currentColor" d="M7 10V3h1v7zM8 12H7v-1h1z"></path></svg><h3 class="text-lg leading-6 font-semibold">Information</h3></div><div class="[&amp;&gt;*]:mb-0"><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">Domestic transaction: A transaction where the issuer of the Card used is located in the transaction Country (the country where you are).</li><li class="[&amp;&gt;*]:mb-0">International transaction: A transaction where the issuer of the Card used is not located in the transaction Country (the country where you are).</li></ul></div></div><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">Mastercard&#x27;s Acquirer Chargeback Monitoring Program</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="MastercardsAcquirerChargebackMonitoringProgram" id="Mastercard&#x27;s_Acquirer_Chargeback_Monitoring_Program"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Mastercard uses the Acquirer Chargeback Monitoring Program (ACMP) to monitor merchants that receive an excessive number of chargebacks on a monthly basis. Mastercard&#x27;s ACMP consists of two programs, the Excessive Chargeback Program (ECP) and the Excessive Fraud Merchant (EFM) program. The ECP program has two categories:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">Excessive Chargeback Merchant (ECM)</li><li class="[&amp;&gt;*]:mb-0">High Excessive Chargeback Merchant (HECM)</li></ul><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">How does Mastercard calculate basis points (chargeback rate)?</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="HowdoesMastercardcalculatebasispointschargebackrate" id="How_does_Mastercard_calculate_basis_points_(chargeback_rate)?"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Mastercard measures your chargeback rate in ‘basis points’, using the number to define which level of the program you fall into. Basis points are the number of chargebacks in a calendar month, divided by the number of Mastercard transactions processed in the preceding month, and then multiplied by 10,000.<br/></p><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0"><em>Basis points = (Count of chargebacks during the month / Count of Sales during the preceding month ) X 10,000</em></p><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h4 class="flex items-center gap-4 font-semibold text-black text-md">Example: Mastercard violation month May 2022 <!-- -->[Computations made in June 2022]</h4><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="ExampleMastercardviolationmonthMay" id="Example:_Mastercard_violation_month_May_2022_"></span></div><div class="overflow-x-auto"><table class="group border-separate border-spacing-0 docs-table md:w-full table-auto md:table-fixed mb-10"><tbody><tr class="w-full table-auto"><th scope="row" class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Count of Mastercard chargebacks issued in May 2022</p></th><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">150</p></td></tr><tr class="w-full table-auto"><th scope="row" class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Count of Mastercard sales in April 2022</p></th><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">7500</p></td></tr><tr class="w-full table-auto"><th scope="row" class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Basis points for May 2022</p></th><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">200</p></td></tr><tr class="w-full table-auto"><th scope="row" class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Result</p></th><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min first:bg-grey-100 bg-white first:font-semibold last:bg-white last:font-normal"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0"><em>( 150 / 7500 ) <!-- -->*<!-- --> 10,000 = 200</em></p><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Breaching the ECM thresholds</p></td></tr></tbody></table></div><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">How to exit the ECM</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="HowtoexittheECM" id="How_to_exit_the_ECM"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Mastercard will remove you from the program if your dispute activity falls below the ECM thresholds for three consecutive months. Where an extension is in place, if you successfully comply with the program for three consecutive months before the extension period ends, assessments will not apply. However, if you receive approval for an extension request, compliance must be achieved by the end of the extension period. Otherwise, you will be retroactively billed for any assessments you would have accrued while the extension was in place. You will also be retroactively billed for any assessments you would have accrued while the extension was in place if:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">You leave before the end of the extension period, for example, if you process zero sales in a calendar month.</li><li class="[&amp;&gt;*]:mb-0">You do not successfully exit the program by having three consecutive months below the program thresholds.</li></ul><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">Extension requests</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="Extensionrequests" id="Extension_requests"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">If you are unable to comply with the programs, you may contact Checkout.com to request an extension from Mastercard. Usually, extensions should be requested when you can quickly address the causes of identification in the Acquirer Chargeback Monitoring Program. An extension will allow time for the remaining chargebacks to be processed, and for you to return to compliance with program thresholds. Extensions are reviewed and granted on a case-by-case basis. Mastercard may request additional information, such as an action plan, to evaluate an extension request.</p><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Non-compliance for both EFM and ECM in the same month</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="NoncomplianceforbothEFMandECMinthesamemonth" id="Non-compliance_for_both_EFM_and_ECM_in_the_same_month"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">If you are identified as non-compliant for both EFM and ECM in the same month, you will only be subject to the applicable EFM assessments. If you are identified in either the ECM or EFM for 12 months, the highest of the program assessments (ECM or EFM) will apply.</p><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">ACMP thresholds, timelines, and fines</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="ACMPthresholdstimelinesandfines" id="ACMP_thresholds,_timelines,_and_fines"></span></div><button type="button" aria-hidden="true" style="position:fixed;top:1px;left:1px;width:1px;height:0;padding:0;margin:-1px;overflow:hidden;clip:rect(0, 0, 0, 0);white-space:nowrap;border-width:0"></button><div class=""><div class="w-full border-b border-grey-100" role="tablist" aria-orientation="horizontal"></div><div class="pt-4"><div class="" aria-hidden="false" id="headlessui-tabs-panel-:Rmjctlan6:" role="tabpanel" tabindex="0" data-headlessui-state="selected"><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Thresholds</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="Thresholds" id="Thresholds"></span></div><div class="overflow-x-auto"><table class="group border-separate border-spacing-0 docs-table md:w-full table-fixed mb-10"><tbody><tr class="w-full table-auto"><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Number of chargebacks</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Chargeback rate (basis points)</th></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">100 to 299</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">150 to 299</p></td></tr></tbody></table></div><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Timeline</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="Timeline" id="Timeline"></span></div><div class="overflow-x-auto"><table class="group border-separate border-spacing-0 docs-table md:w-full table-fixed mb-10"><tbody><tr class="w-full table-auto"><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Number of months above ECM thresholds</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Fines</th></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">1</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">€/$ 0</p></td></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">2</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">€/$ 1,000</p></td></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">3</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">€/$ 1,000</p></td></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">4-6</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">€/$ 5,000</p></td></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">7-11</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">€/$ 25,000</p></td></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">12-18</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">€/$ 50,000</p></td></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">19+</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">€/$ 100,000</p></td></tr></tbody></table></div></div><div class="hidden" aria-hidden="true" id="headlessui-tabs-panel-:Rqjctlan6:" role="tabpanel" tabindex="-1" data-headlessui-state=""><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Thresholds</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="Thresholds" id="Thresholds"></span></div><div class="overflow-x-auto"><table class="group border-separate border-spacing-0 docs-table md:w-full table-fixed mb-10"><tbody><tr class="w-full table-auto"><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Number of chargebacks</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Chargeback rate (basis points)</th></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">300+</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">300+</p></td></tr></tbody></table></div><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Timeline</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="Timeline" id="Timeline"></span></div><div class="overflow-x-auto"><table class="group border-separate border-spacing-0 docs-table md:w-full table-fixed mb-10"><tbody><tr class="w-full table-auto"><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Number of months above HECM thresholds</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Fines</th><th scope="col" class="table-cell-content [&amp;&gt;*]:mb-2 border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-grey-300 border-l-0 first:border-l font-semibold text-md">Issuer recovery assessment</th></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">1</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">€/$ 0</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">No</p></td></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">2</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">€/$ 1,000</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">No</p></td></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">3</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">€/$ 2,000</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">No</p></td></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">4-6</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">€/$ 10,000</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Yes<!-- -->*</p></td></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">7-11</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">€/$ 50,000</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Yes<!-- -->*</p></td></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">12-18</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">€/$ 100,000</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Yes<!-- -->*</p></td></tr><tr class="w-full table-auto"><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">19+</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">€/$ 200,000</p></td><td class="text-sm table-cell-content [&amp;&gt;*]:mb-2 border-l border-b last:border-r p-4 align-top border-grey-100 text-left max-w-min bg-white"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Yes<!-- -->*</p></td></tr></tbody></table></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">*<!-- --> The issuer recovery assessment applies an additional 5 €/$ for each chargeback over 300 chargebacks. For example, if you had 500 chargebacks, you would be charged 1,000 €/$ in issuer recovery (500 - 300 = 200; 200 x 5 = 1,000).</p></div></div></div><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">Cartes Bancaires&#x27; Disputes Monitoring Program</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="CartesBancairesDisputesMonitoringProgram" id="Cartes_Bancaires&#x27;_Disputes_Monitoring_Program"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">The Cartes Bancaires Dispute Monitoring Program is intended to encourage merchants with an abnormally high dispute rate to restore these to acceptable levels.</p><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">You will automatically be entered into the disputes program if you exceed both of the following thresholds for four consecutive months:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">2% dispute-to-sales count ratio</li><li class="[&amp;&gt;*]:mb-0">200 disputes count</li></ul><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">When you&#x27;ve been entered into the disputes program, Cartes Bancaires will monitor you for six consecutive months. </p><div class="relative grid gap-6 p-6 rounded-lg text-black w-full bg-blue-500 mb-10"><div class="flex gap-4 items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="inline-block shrink-0 w-6 h-6"><circle cx="7.5" cy="7.5" r="7" stroke="currentColor"></circle><path fill="currentColor" d="M7 10V3h1v7zM8 12H7v-1h1z"></path></svg><h3 class="text-lg leading-6 font-semibold">Information</h3></div><div class="[&amp;&gt;*]:mb-0"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Cartes Bancaires monitors disputes at the transaction date, not the dispute issue date.</p></div></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">If you&#x27;re entered into the program, you must develop a remediation plan to bring your dispute rate to acceptable levels. The plan must:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">set out a target date for remediation</li><li class="[&amp;&gt;*]:mb-0">be submitted to Cartes Bancaires within two calendar months of being placed on the program</li><li class="[&amp;&gt;*]:mb-0">be validated by Cartes Bancaires after submission</li></ul><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Cartes Bancaires&#x27; disputes program fines</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="CartesBancairesdisputesprogramfines" id="Cartes_Bancaires&#x27;_disputes_program_fines"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">If you fail to reduce your dispute rates below the specified thresholds, you will incur a 50 EUR fine for each dispute raised during the months that the thresholds were breached. </p><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">35 EUR from each fine will be paid to the issuer.</p><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">How to exit Cartes Bancaires&#x27; disputes program</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="HowtoexitCartesBancairesdisputesprogram" id="How_to_exit_Cartes_Bancaires&#x27;_disputes_program"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Cartes Bancaires will remove you from the dispute program if you fall below either of the following threshold for six consecutive months:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">Perform below 1% dispute-to-sales count ratio.</li><li class="[&amp;&gt;*]:mb-0">The disputes count is below 100.</li></ul><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">Need help?</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="Needhelp" id="Need_help?"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">If you need support or have questions about the dispute monitoring programs, please contact our Risk team at <a href="/cdn-cgi/l/email-protection#413328322a01222924222a2e34356f222e2c" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100" rel="noopener noreferrer"><span class="__cf_email__" data-cfemail="493b203a22092a212c2a22263c3d672a2624">[email&#160;protected]</span></a>.</p></div></div><aside class="h-fit sticky mb-3 hidden w-auto xl:flex xl:w-[240px]" style="max-height:calc(100vh - 177px);top:175px"></aside></main></div><div class="bg-black-secondary text-white"><footer class="mx-auto flex max-w-[1360px] flex-col gap-4 px-4 py-12 lg:gap-10 lg:p-16"><a href="/docs" target="" class="cursor:pointer items-center gap-2.5 group group 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class="flex flex-col gap-10 lg:gap-20"><nav aria-label="Site navigation" class="hidden grid-cols-5 lg:grid"><div class="flex flex-col gap-4"><p class="mb-2 text-xs font-medium uppercase tracking-[1.76px]">Products</p><a href="https://www.checkout.com/products/accept-online" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Accept online</a><a href="https://www.checkout.com/products/flow" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Flow</a><a href="https://www.checkout.com/technology/payouts" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payouts</a><a 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text-white" rel="noopener noreferrer">Payment methods</a><a href="https://www.checkout.com/technology/payment-processing" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment processing</a><a href="https://www.checkout.com/products/fraud-detection" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Fraud protection</a><a href="https://www.checkout.com/products/authentication-3ds" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Authentication</a><a href="https://www.checkout.com/products/intelligent-acceptance" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Intelligent Acceptance</a><a href="https://www.checkout.com/products/identity-verification" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Identity Verification</a><a href="https://www.checkout.com/products/vault" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Vault</a><a href="https://www.checkout.com/products/real-time-account-updater" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Real-Time Account Updater</a><a href="https://www.checkout.com/products/network-tokens" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Network tokens</a><a href="https://www.checkout.com/pricing" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Pricing</a></div><div class="flex flex-col gap-4"><p class="mb-2 text-xs font-medium uppercase tracking-[1.76px]">Solutions</p><a href="https://www.checkout.com/solutions/ecommerce" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Ecommerce</a><a href="https://www.checkout.com/solutions/fintech" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Fintech</a><a href="https://www.checkout.com/solutions/gaming" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Gaming</a><a href="https://www.checkout.com/solutions/crypto" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Crypto</a><a href="https://www.checkout.com/solutions/marketplaces" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Marketplace</a><a href="https://www.checkout.com/solutions/payment-facilitators" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment facilitators</a><a href="https://www.checkout.com/solutions/travel" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Travel</a><a href="https://www.checkout.com/solutions/international-coverage" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">International coverage</a><a href="https://www.checkout.com/partners" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Our partners</a></div><div class="flex flex-col gap-4"><p class="mb-2 text-xs font-medium uppercase tracking-[1.76px]">Company</p><a href="https://www.checkout.com/mission" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Our mission</a><a href="https://www.checkout.com/customers" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Our customers</a><a href="https://www.checkout.com/leadership" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Leadership</a><a href="https://www.checkout.com/newsroom" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Newsroom</a><a href="https://www.checkout.com/contact-us" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Contact us</a><a href="https://www.checkout.com/life-at" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Life at Checkout.com</a><a href="https://www.checkout.com/careers" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Open positions (hiring)</a><a href="https://www.checkout.com/diversity-and-inclusion" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Diversity &amp; Inclusion</a><a href="https://www.checkout.com/carbon-offsetting" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Carbon offsetting</a></div><div class="flex flex-col gap-4"><p class="mb-2 text-xs font-medium uppercase tracking-[1.76px]">Developers</p><a href="https://www.checkout.com/docs" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Documentation</a><a href="https://api-reference.checkout.com/" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">API Reference</a><a href="https://www.checkout.com/get-test-account" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Test account</a></div><div class="flex flex-col gap-4"><p class="mb-2 text-xs font-medium uppercase tracking-[1.76px]">Resources</p><a href="https://www.checkout.com/blog" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Blog</a><a href="https://www.checkout.com/case-studies" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Case studies</a><a href="https://support.checkout.com" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Support</a></div></nav><nav aria-label="Site links" class="flex flex-col divide-y divide-grey-500 lg:hidden"><section class="flex flex-col items-start" data-headlessui-state=""><button class="py-6 w-full text-left flex gap-4 items-center justify-between pl-0 text-sm font-medium uppercase tracking-[1.4px] text-white" id="headlessui-disclosure-button-:R9lqn6:" type="button" aria-expanded="false" data-headlessui-state="">Products<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 17" focusable="false" class="transition-transform h-4 w-4 duration-200 ease-in-out"><path stroke="currentColor" d="m2.002 5.46 5.998 6 5.998-6"></path></svg></button><div aria-hidden="true" class="w-full overflow-hidden pl-4 transition-none duration-500" style="max-height:0px" id="headlessui-disclosure-panel-:Rhlqn6:" data-headlessui-state=""><div><div class="flex flex-col gap-0 pb-0 pt-0"><div class="my-2 flex flex-col gap-2"><a href="https://www.checkout.com/products/accept-online" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Accept online</a><a href="https://www.checkout.com/products/flow" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Flow</a><a href="https://www.checkout.com/technology/payouts" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payouts</a><a href="https://www.checkout.com/products/issuing" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Issuing</a><a href="https://www.checkout.com/payment-integrations" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment integrations</a><a href="https://www.checkout.com/products/integrated-platforms" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Integrated Platforms</a><a href="https://www.checkout.com/payment-methods" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment methods</a><a href="https://www.checkout.com/technology/payment-processing" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment processing</a><a href="https://www.checkout.com/products/fraud-detection" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Fraud protection</a><a href="https://www.checkout.com/products/authentication-3ds" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Authentication</a><a href="https://www.checkout.com/products/intelligent-acceptance" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Intelligent Acceptance</a><a href="https://www.checkout.com/products/identity-verification" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Identity Verification</a><a href="https://www.checkout.com/products/vault" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Vault</a><a href="https://www.checkout.com/products/real-time-account-updater" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Real-Time Account Updater</a><a href="https://www.checkout.com/products/network-tokens" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Network tokens</a><a href="https://www.checkout.com/pricing" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Pricing</a></div></div></div></div></section><section class="flex flex-col items-start" data-headlessui-state=""><button class="py-6 w-full text-left flex gap-4 items-center justify-between pl-0 text-sm font-medium uppercase tracking-[1.4px] text-white" id="headlessui-disclosure-button-:Ralqn6:" type="button" aria-expanded="false" data-headlessui-state="">Solutions<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 17" focusable="false" class="transition-transform h-4 w-4 duration-200 ease-in-out"><path stroke="currentColor" d="m2.002 5.46 5.998 6 5.998-6"></path></svg></button><div aria-hidden="true" class="w-full overflow-hidden pl-4 transition-none duration-500" style="max-height:0px" id="headlessui-disclosure-panel-:Rilqn6:" data-headlessui-state=""><div><div class="flex flex-col gap-0 pb-0 pt-0"><div class="my-2 flex flex-col gap-2"><a href="https://www.checkout.com/solutions/ecommerce" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Ecommerce</a><a href="https://www.checkout.com/solutions/fintech" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Fintech</a><a href="https://www.checkout.com/solutions/gaming" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Gaming</a><a href="https://www.checkout.com/solutions/crypto" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Crypto</a><a href="https://www.checkout.com/solutions/marketplaces" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Marketplace</a><a href="https://www.checkout.com/solutions/payment-facilitators" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment facilitators</a><a href="https://www.checkout.com/solutions/travel" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Travel</a><a href="https://www.checkout.com/solutions/international-coverage" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">International coverage</a><a href="https://www.checkout.com/partners" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Our partners</a></div></div></div></div></section><section class="flex flex-col items-start" data-headlessui-state=""><button class="py-6 w-full text-left flex gap-4 items-center justify-between pl-0 text-sm font-medium uppercase tracking-[1.4px] text-white" id="headlessui-disclosure-button-:Rblqn6:" type="button" aria-expanded="false" data-headlessui-state="">Company<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 17" focusable="false" class="transition-transform h-4 w-4 duration-200 ease-in-out"><path stroke="currentColor" d="m2.002 5.46 5.998 6 5.998-6"></path></svg></button><div aria-hidden="true" class="w-full overflow-hidden pl-4 transition-none duration-500" style="max-height:0px" id="headlessui-disclosure-panel-:Rjlqn6:" data-headlessui-state=""><div><div class="flex flex-col gap-0 pb-0 pt-0"><div class="my-2 flex flex-col gap-2"><a href="https://www.checkout.com/mission" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Our mission</a><a href="https://www.checkout.com/customers" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Our customers</a><a href="https://www.checkout.com/leadership" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Leadership</a><a href="https://www.checkout.com/newsroom" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Newsroom</a><a href="https://www.checkout.com/contact-us" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Contact us</a><a href="https://www.checkout.com/life-at" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Life at Checkout.com</a><a href="https://www.checkout.com/careers" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Open positions (hiring)</a><a href="https://www.checkout.com/diversity-and-inclusion" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Diversity &amp; Inclusion</a><a href="https://www.checkout.com/carbon-offsetting" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Carbon offsetting</a></div></div></div></div></section><section class="flex flex-col items-start" data-headlessui-state=""><button class="py-6 w-full text-left flex gap-4 items-center justify-between pl-0 text-sm font-medium uppercase tracking-[1.4px] text-white" id="headlessui-disclosure-button-:Rclqn6:" type="button" aria-expanded="false" data-headlessui-state="">Developers<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 17" focusable="false" class="transition-transform h-4 w-4 duration-200 ease-in-out"><path stroke="currentColor" d="m2.002 5.46 5.998 6 5.998-6"></path></svg></button><div aria-hidden="true" class="w-full overflow-hidden pl-4 transition-none duration-500" style="max-height:0px" id="headlessui-disclosure-panel-:Rklqn6:" data-headlessui-state=""><div><div class="flex flex-col gap-0 pb-0 pt-0"><div class="my-2 flex flex-col gap-2"><a href="https://www.checkout.com/docs" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Documentation</a><a href="https://api-reference.checkout.com/" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">API Reference</a><a href="https://www.checkout.com/get-test-account" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Test account</a></div></div></div></div></section><section class="flex flex-col items-start" data-headlessui-state=""><button class="py-6 w-full text-left flex gap-4 items-center justify-between pl-0 text-sm font-medium uppercase tracking-[1.4px] text-white" id="headlessui-disclosure-button-:Rdlqn6:" type="button" aria-expanded="false" data-headlessui-state="">Resources<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 17" focusable="false" class="transition-transform h-4 w-4 duration-200 ease-in-out"><path stroke="currentColor" d="m2.002 5.46 5.998 6 5.998-6"></path></svg></button><div aria-hidden="true" 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programs"}],"frontmatter":{"title":"Dispute monitoring programs","account":"NAS","description":"Learn more about the dispute monitoring programs card schemes may place merchants in, if they exceed acceptable levels of disputes received.","lastUpdated":"March 5, 2024","flag":null},"source":{"compiledSource":"var m=Object.defineProperty,T=Object.defineProperties;var h=Object.getOwnPropertyDescriptors;var i=Object.getOwnPropertySymbols;var r=Object.prototype.hasOwnProperty,s=Object.prototype.propertyIsEnumerable;var n=(e,a,l)=\u003ea in e?m(e,a,{enumerable:!0,configurable:!0,writable:!0,value:l}):e[a]=l,o=(e,a)=\u003e{for(var l in a||(a={}))r.call(a,l)\u0026\u0026n(e,l,a[l]);if(i)for(var l of i(a))s.call(a,l)\u0026\u0026n(e,l,a[l]);return e},p=(e,a)=\u003eT(e,h(a));var d=(e,a)=\u003e{var l={};for(var t in e)r.call(e,t)\u0026\u0026a.indexOf(t)\u003c0\u0026\u0026(l[t]=e[t]);if(e!=null\u0026\u0026i)for(var t of i(e))a.indexOf(t)\u003c0\u0026\u0026s.call(e,t)\u0026\u0026(l[t]=e[t]);return l};const makeShortcode=e=\u003efunction(l){return console.warn(\"Component \"+e+\" was not imported, exported, or provided by MDXProvider as global scope\"),mdx(\"div\",o({},l))},TipBox=makeShortcode(\"TipBox\"),Tabs=makeShortcode(\"Tabs\"),Tab=makeShortcode(\"Tab\"),Table=makeShortcode(\"Table\"),TableHead=makeShortcode(\"TableHead\"),TableBody=makeShortcode(\"TableBody\"),TableRow=makeShortcode(\"TableRow\"),TableCell=makeShortcode(\"TableCell\"),TableConfig=makeShortcode(\"TableConfig\"),layoutProps={},MDXLayout=\"wrapper\";function MDXContent(l){var t=l,{components:e}=t,a=d(t,[\"components\"]);return mdx(MDXLayout,p(o(o({},layoutProps),a),{components:e,mdxType:\"MDXLayout\"}),mdx(\"p\",null,\"Card schemes (like Visa and Mastercard) monitor your dispute activity month by month, comparing it to your sales. If the number of disputes (also known as chargebacks) you receive exceeds the levels deemed acceptable by the scheme, you may be placed on their monitoring program.\"),mdx(\"p\",null,\"Once you\\u2019re on a program, the scheme can charge you monthly fines and additional fees, until you reduce the dispute activity back down to acceptable levels.\"),mdx(\"p\",null,\"We will let you know if you\\u2019re at risk of being placed, or have been placed, on a program, and work with you to reduce your disputes.\"),mdx(TipBox,{variant:\"info\",mdxType:\"TipBox\"},mdx(\"p\",null,\"To learn how to handle and help reduce chargebacks, read our guide on \",mdx(\"a\",o({parentName:\"p\"},{href:\"/risk-management/disputes/responding-to-disputes\"}),\"responding to disputes\"),\".\")),mdx(\"p\",null,\"If you fail to comply within a specified time period (this depends on the scheme), the scheme can refuse to continue processing your payments. This is rare, but it's best to take immediate action if you're enrolled on a program.\"),mdx(\"p\",null,\"Learn about \",mdx(\"a\",o({parentName:\"p\"},{href:\"#Visa's_dispute_monitoring_program\"}),\"Visa\\u2019s\"),\" and \",mdx(\"a\",o({parentName:\"p\"},{href:\"#Mastercard's_dispute_monitoring_program\"}),\"Mastercard\\u2019s\"),\" dispute monitoring programs below.\"),mdx(TipBox,{variant:\"info\",mdxType:\"TipBox\"},mdx(\"p\",null,\"If you need help or have any questions about the dispute monitoring programs, contact our Risk team at \",mdx(\"a\",o({parentName:\"p\"},{href:\"mailto:risk@checkout.com\"}),\"risk@checkout.com\"),\".\")),mdx(\"hr\",null),mdx(\"h2\",null,\"Visa's Dispute Monitoring Program\"),mdx(TipBox,{variant:\"info\",mdxType:\"TipBox\"},mdx(\"p\",null,\"Effective April 2025, the \",mdx(\"a\",o({parentName:\"p\"},{href:\"/business-operations/manage-disputes/fraud-monitoring-programs#Visa's_Acquirer_Monitoring_Program\"}),\"Visa Acquirer Monitoring Program (VAMP)\"),\" consolidates and replaces the Visa Fraud Monitoring Program (VFMP) and Visa Disputes Monitoring Program (VDMP).\")),mdx(\"p\",null,\"The Visa Dispute Monitoring Program (VDMP) is a merchant-level dispute monitoring program that is used to:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"Identify merchants with excessive levels of disputes.\"),mdx(\"li\",{parentName:\"ul\"},\"Implement corrective plans to protect the integrity of the payment system.\")),mdx(\"p\",null,\"The VDMP has four program timelines.\"),mdx(\"h3\",null,\"Breaching both the VFMP and VDMP in the same month\"),mdx(\"p\",null,\"If you exceed both the VDMP and \",mdx(\"a\",o({parentName:\"p\"},{href:\"/risk-management/disputes/fraud-monitoring-programs#Visa's_fraud_monitoring_program\"}),\"Visa Fraud Monitoring Program (VFMP)\"),\" program thresholds in the same month would enter each program as separate identifications. Each case will continue in their respective program until they are remediated. However, if you are subject to assessments in both programs, the VDMP assessment will take precedence. Visa could still release 10.5 Dispute rights for the VFMP case.\"),mdx(\"h3\",null,\"Program exit criteria\"),mdx(\"p\",null,\"To exit the VDMP, you need to perform below the \",mdx(\"a\",o({parentName:\"p\"},{href:\"#VDMP_thresholds,_timelines,_and_fines\"}),\"Standard program thresholds\"),` for three consecutive months, no matter what timeline you're in.\nIf you perform below the Standard program thresholds for less than the required three consecutive months:`),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"Your program status continues from the previous identification.\"),mdx(\"li\",{parentName:\"ul\"},\"The required three consecutive months restart the next month you're below Standard program thresholds.\")),mdx(\"h3\",null,\"Suspension of non-compliance assessments\"),mdx(\"p\",null,`Visa may suspend or waive non-compliance assessments (fines), in whole or in part, to accommodate unique or extenuating circumstances.\nThrough submission of a remediation plan, the acquirer can make requests for temporary suspension, or waiver of non-compliance assessments, on your behalf.\nThis remediation plan should:`),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"State the root causes of the identification.\"),mdx(\"li\",{parentName:\"ul\"},\"Demonstrate actions taken to restore compliance.\"),mdx(\"li\",{parentName:\"ul\"},\"Outline milestones acceptable to Visa and dates for all corrective actions.\")),mdx(\"p\",null,\"Suspension of non-compliance assessments and program fees are:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"At Visa\\u2019s sole discretion\"),mdx(\"li\",{parentName:\"ul\"},\"For a set period of time\")),mdx(\"p\",null,\"If granted, the non-compliance assessment and program fees will continue to accrue during the suspension period. If you're unable to perform below program thresholds during the suspension period and are identified afterwards, the accrued non-compliance assessment may be levied.\"),mdx(\"h3\",null,\"VDMP thresholds, timelines, and fines\"),mdx(Tabs,{mdxType:\"Tabs\"},mdx(Tab,{title:\"Standard\",mdxType:\"Tab\"},mdx(\"p\",null,\"Applies if you are non-High Risk Merchant Category Code (MCC) and meet or exceed both of the Standard dispute thresholds\"),mdx(\"h3\",null,\"Thresholds\"),mdx(Table,{withTopBorder:!1,mdxType:\"Table\"},mdx(TableHead,{headers:[\"Number of disputes\",\"Dispute-to-sales ratio\"],mdxType:\"TableHead\"}),mdx(TableBody,{mdxType:\"TableBody\"},mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"100\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"0.90%\"))))),mdx(\"h3\",null,\"Timeline, fines, and fees - above the VDMP Standard thresholds\"),mdx(Table,{withTopBorder:!1,mdxType:\"Table\"},mdx(TableHead,{headers:[\"Month 1\",\"Months 2-4\",\"Months 5-9\",\"Months 10-11\",\"Months 12+\"],mdxType:\"TableHead\"}),mdx(TableBody,{mdxType:\"TableBody\"},mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Notification:\",mdx(\"br\",null),\"No fines\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Workout:\",mdx(\"br\",null),\"No fines\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Enforcement:\",mdx(\"br\",null),\"$50 per dispute\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Enforcement:\",mdx(\"br\",null),`\n$50 per dispute and\n$25,000 review fee`)),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Enforcement:\",mdx(\"br\",null)),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"$50 per dispute and $25,000 review fee\"),mdx(\"li\",{parentName:\"ul\"},\"Eligible to be disqualified\"))))))),mdx(Tab,{title:\"Excessive\",mdxType:\"Tab\"},mdx(\"p\",null,\"Applies if you meet or exceed both of the Excessive dispute thresholds.\"),mdx(TipBox,{variant:\"note\",mdxType:\"TipBox\"},mdx(\"p\",null,\"You will remain in the Excessive timeline until you fully remediate out of the program. You will not be moved to the Standard timeline even if your performance drops below the monthly \",mdx(\"a\",o({parentName:\"p\"},{href:\"#Thresholds\"}),\"Excessive program thresholds\"),\".\")),mdx(\"h3\",null,\"Thresholds\"),mdx(Table,{withTopBorder:!1,mdxType:\"Table\"},mdx(TableHead,{headers:[\"Number of disputes\",\"Dispute-to-sales-ratio\"],mdxType:\"TableHead\"}),mdx(TableBody,{mdxType:\"TableBody\"},mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"1000\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"1.80%\"))))),mdx(\"h3\",null,\"Timeline, fines, and fees - above the VDMP Excessive thresholds\"),mdx(Table,{withTopBorder:!1,mdxType:\"Table\"},mdx(TableHead,{headers:[\"Months 1-6\",\"Months 7-11\",\"Months 12+\"],mdxType:\"TableHead\"}),mdx(TableBody,{mdxType:\"TableBody\"},mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Enforcement:\",mdx(\"br\",null),\"$50 per dispute\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Enforcement:\",mdx(\"br\",null),`\n$50 per dispute and\n$25,000 review fee`)),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Enforcement:\",mdx(\"br\",null)),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"$50 per dispute and $25,000 review fee\"),mdx(\"li\",{parentName:\"ul\"},\"Eligible to be disqualified\"))))))),mdx(Tab,{title:\"High Risk\",mdxType:\"Tab\"},mdx(\"p\",null,\"Applies if you are:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"Categorized by a High Risk MCC as defined in the Visa Rules\"),mdx(\"li\",{parentName:\"ul\"},\"Moved from the Standard timeline to the High Risk timeline, based on Visa\\u2019s determination that you harm the goodwill of the Visa Payment System\")),mdx(\"h3\",null,\"High Brand Risk MCCs\"),mdx(\"p\",null,\"For all Card-Absent transactions using the following MCCs:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"5962 (Direct Marketing - Travel-Related Arrangement Services)\"),mdx(\"li\",{parentName:\"ul\"},\"5966 (Direct Marketing - Outbound Telemarketing Merchants)\"),mdx(\"li\",{parentName:\"ul\"},\"5967 (Direct Marketing - Inbound Telemarketing Merchants)\"),mdx(\"li\",{parentName:\"ul\"},\"7273 (Dating and Escort Services)\"),mdx(\"li\",{parentName:\"ul\"},\"7995 (Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks)\"),mdx(\"li\",{parentName:\"ul\"},\"5122 (Drugs, Drug Proprietaries, Druggist Sundries)\"),mdx(\"li\",{parentName:\"ul\"},\"5912 (Drug Stores, Pharmacies)\"),mdx(\"li\",{parentName:\"ul\"},\"5993 (Cigar Stores and Stands)\")),mdx(\"p\",null,\"For certain Card-Absent transactions using the following MCCs:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"4816 (Computer Network/Information Services): Sale of access to cyberlockers or remote digital file-sharing services\"),mdx(\"li\",{parentName:\"ul\"},\"5816 (Digital Goods - Games): Skilled game wagering such: daily fantasy sports\"),mdx(\"li\",{parentName:\"ul\"},\"6051 (Non-Financial Institutions): Sale of cryptocurrencies, funding of crypto wallets or initial coin offerings\")),mdx(TipBox,{variant:\"info\",mdxType:\"TipBox\"},mdx(\"p\",null,\"In the AP, Canada, CEMEA, Europe, and LAC Regions, 5122, 5912, and 5993 only apply if you conduct transactions other than domestic transactions.\")),mdx(\"h3\",null,\"Timeline, fines, and fees - above the VDMP Standard thresholds with High Risk MCC\"),mdx(Table,{withTopBorder:!1,mdxType:\"Table\"},mdx(TableHead,{headers:[\"Months 1-6\",\"Months 7-11\",\"Months 12+\"],mdxType:\"TableHead\"}),mdx(TableBody,{mdxType:\"TableBody\"},mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Enforcement:\",mdx(\"br\",null),\"$50 per dispute\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Enforcement:\",mdx(\"br\",null),`\n$50 per dispute and\n$25,000 review fee`)),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Enforcement:\",mdx(\"br\",null)),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"$50 per dispute and $25,000 review fee\"),mdx(\"li\",{parentName:\"ul\"},\"Eligible to be disqualified\"))))))),mdx(Tab,{title:\"Early Warning\",mdxType:\"Tab\"},mdx(\"p\",null,\"Applies if you have not breached the VDMP Standard thresholds, but have exceeded both Early Warning thresholds in the previous calendar month.\"),mdx(TipBox,{variant:\"info\",mdxType:\"TipBox\"},mdx(\"p\",null,\"Early Warning notifications provide you with an opportunity to reduce dispute levels before identification in the VDMP, and do not count towards the program timeline.\")),mdx(\"h3\",null,\"Thresholds\"),mdx(Table,{withTopBorder:!1,mdxType:\"Table\"},mdx(TableHead,{headers:[\"Number of disputes\",\"Dispute-to-sales ratio\"],mdxType:\"TableHead\"}),mdx(TableBody,{mdxType:\"TableBody\"},mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"75\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"0.65%\"))))),mdx(\"h3\",null,\"Timeline, fines, and fees - above the VDMP Early Warning thresholds\"),mdx(\"p\",null,\"There are no fines or additional fees for receiving an early warning.\"))),mdx(\"h3\",null,\"Example: Visa Violation Month May 2022 (Computations made in June 2022)\"),mdx(\"p\",null,\"The VDMP uses disputes and sales transactions processed in the previous calendar month. The formula used for the dispute-to-sales ratio calculation is:\",mdx(\"br\",null),`\n`,mdx(\"em\",{parentName:\"p\"},\"Dispute-to-sales count ratio = Count of disputes issued during the month / Count of sales during the month\")),mdx(TableConfig,{variant:\"left\",mdxType:\"TableConfig\"},mdx(Table,{mdxType:\"Table\"},mdx(TableBody,{mdxType:\"TableBody\"},mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Count of Visa disputes issued in May 2022\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"175\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Count of Visa sales in May 2022\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"5500\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Dispute-to-sales count ratio for May 2022\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"3.18%\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Result\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Breaching the standard thresholds of the VDMP\")))))),mdx(\"h3\",null,\"Additional information for VDMP\"),mdx(\"p\",null,\"Program monitoring includes domestic transactions and international transactions for the following acquirer regions:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"AP Region (Australia)\"),mdx(\"li\",{parentName:\"ul\"},\"Canada Region\"),mdx(\"li\",{parentName:\"ul\"},\"Europe Region (France, Germany, United Kingdom)\"),mdx(\"li\",{parentName:\"ul\"},\"LAC Region (Brazil)\"),mdx(\"li\",{parentName:\"ul\"},\"US Region\")),mdx(\"p\",null,\"For all remaining regions, VDMP monitoring only includes international transactions:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"Only the first ten disputes between you, and a single account number in a given calendar month, are counted for the purpose of the VDMP.\"),mdx(\"li\",{parentName:\"ul\"},\"Dispute Code 10.5 (Visa Fraud Monitoring Program) is excluded from VDMP.\")),mdx(TipBox,{variant:\"info\",mdxType:\"TipBox\"},mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"Domestic transaction: A transaction where the issuer of the Card used is located in the transaction Country (the country where you are).\"),mdx(\"li\",{parentName:\"ul\"},\"International transaction: A transaction where the issuer of the Card used is not located in the transaction Country (the country where you are).\"))),mdx(\"hr\",null),mdx(\"h2\",null,\"Mastercard's Acquirer Chargeback Monitoring Program\"),mdx(\"p\",null,`Mastercard uses the Acquirer Chargeback Monitoring Program (ACMP) to monitor merchants that receive an excessive number of chargebacks on a monthly basis. Mastercard's ACMP consists of two programs, the Excessive Chargeback Program (ECP) and the Excessive Fraud Merchant (EFM) program.\nThe ECP program has two categories:`),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"Excessive Chargeback Merchant (ECM)\"),mdx(\"li\",{parentName:\"ul\"},\"High Excessive Chargeback Merchant (HECM)\")),mdx(\"h3\",null,\"How does Mastercard calculate basis points (chargeback rate)?\"),mdx(\"p\",null,`Mastercard measures your chargeback rate in \\u2018basis points\\u2019, using the number to define which level of the program you fall into.\nBasis points are the number of chargebacks in a calendar month, divided by the number of Mastercard transactions processed in the preceding month, and then multiplied by 10,000.`,mdx(\"br\",null)),mdx(\"p\",null,mdx(\"em\",{parentName:\"p\"},\"Basis points = (Count of chargebacks during the month / Count of Sales during the preceding month ) X 10,000\")),mdx(\"h4\",null,\"Example: Mastercard violation month May 2022 \",\"[Computations made in June 2022]\"),mdx(TableConfig,{variant:\"left\",mdxType:\"TableConfig\"},mdx(Table,{mdxType:\"Table\"},mdx(TableBody,{mdxType:\"TableBody\"},mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Count of Mastercard chargebacks issued in May 2022\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"150\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Count of Mastercard sales in April 2022\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"7500\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Basis points for May 2022\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"200\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Result\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,mdx(\"em\",{parentName:\"p\"},\"( 150 / 7500 ) \",\"*\",\" 10,000 = 200\")),mdx(\"p\",null,\"Breaching the ECM thresholds\")))))),mdx(\"h3\",null,\"How to exit the ECM\"),mdx(\"p\",null,`Mastercard will remove you from the program if your dispute activity falls below the ECM thresholds for three consecutive months.\nWhere an extension is in place, if you successfully comply with the program for three consecutive months before the extension period ends, assessments will not apply. However, if you receive approval for an extension request, compliance must be achieved by the end of the extension period. Otherwise, you will be retroactively billed for any assessments you would have accrued while the extension was in place.\nYou will also be retroactively billed for any assessments you would have accrued while the extension was in place if:`),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"You leave before the end of the extension period, for example, if you process zero sales in a calendar month.\"),mdx(\"li\",{parentName:\"ul\"},\"You do not successfully exit the program by having three consecutive months below the program thresholds.\")),mdx(\"hr\",null),mdx(\"h2\",null,\"Extension requests\"),mdx(\"p\",null,`If you are unable to comply with the programs, you may contact Checkout.com to request an extension from Mastercard.\nUsually, extensions should be requested when you can quickly address the causes of identification in the Acquirer Chargeback Monitoring Program. An extension will allow time for the remaining chargebacks to be processed, and for you to return to compliance with program thresholds.\nExtensions are reviewed and granted on a case-by-case basis. Mastercard may request additional information, such as an action plan, to evaluate an extension request.`),mdx(\"h3\",null,\"Non-compliance for both EFM and ECM in the same month\"),mdx(\"p\",null,\"If you are identified as non-compliant for both EFM and ECM in the same month, you will only be subject to the applicable EFM assessments. If you are identified in either the ECM or EFM for 12 months, the highest of the program assessments (ECM or EFM) will apply.\"),mdx(\"h3\",null,\"ACMP thresholds, timelines, and fines\"),mdx(Tabs,{mdxType:\"Tabs\"},mdx(Tab,{title:\"ECM\",mdxType:\"Tab\"},mdx(\"h3\",null,\"Thresholds\"),mdx(Table,{withTopBorder:!1,mdxType:\"Table\"},mdx(TableHead,{headers:[\"Number of chargebacks\",\"Chargeback rate (basis points)\"],mdxType:\"TableHead\"}),mdx(TableBody,{mdxType:\"TableBody\"},mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"100 to 299\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"150 to 299\"))))),mdx(\"h3\",null,\"Timeline\"),mdx(Table,{mdxType:\"Table\"},mdx(TableHead,{headers:[\"Number of months above ECM thresholds\",\"Fines\"],mdxType:\"TableHead\"}),mdx(TableBody,{mdxType:\"TableBody\"},mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"1\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"\\u20AC/$ 0\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"2\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"\\u20AC/$ 1,000\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"3\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"\\u20AC/$ 1,000\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"4-6\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"\\u20AC/$ 5,000\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"7-11\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"\\u20AC/$ 25,000\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"12-18\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"\\u20AC/$ 50,000\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"19+\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"\\u20AC/$ 100,000\")))))),mdx(Tab,{title:\"HECM\",mdxType:\"Tab\"},mdx(\"h3\",null,\"Thresholds\"),mdx(Table,{withTopBorder:!1,mdxType:\"Table\"},mdx(TableHead,{headers:[\"Number of chargebacks\",\"Chargeback rate (basis points)\"],mdxType:\"TableHead\"}),mdx(TableBody,{mdxType:\"TableBody\"},mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"300+\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"300+\"))))),mdx(\"h3\",null,\"Timeline\"),mdx(Table,{mdxType:\"Table\"},mdx(TableHead,{headers:[\"Number of months above HECM thresholds\",\"Fines\",\"Issuer recovery assessment\"],mdxType:\"TableHead\"}),mdx(TableBody,{mdxType:\"TableBody\"},mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"1\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"\\u20AC/$ 0\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"No\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"2\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"\\u20AC/$ 1,000\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"No\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"3\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"\\u20AC/$ 2,000\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"No\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"4-6\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"\\u20AC/$ 10,000\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Yes\",\"*\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"7-11\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"\\u20AC/$ 50,000\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Yes\",\"*\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"12-18\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"\\u20AC/$ 100,000\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Yes\",\"*\"))),mdx(TableRow,{mdxType:\"TableRow\"},mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"19+\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"\\u20AC/$ 200,000\")),mdx(TableCell,{mdxType:\"TableCell\"},mdx(\"p\",null,\"Yes\",\"*\"))))),mdx(\"p\",null,\"*\",\" The issuer recovery assessment applies an additional 5 \\u20AC/$ for each chargeback over 300 chargebacks. For example, if you had 500 chargebacks, you would be charged 1,000 \\u20AC/$ in issuer recovery (500 - 300 = 200; 200 x 5 = 1,000).\"))),mdx(\"hr\",null),mdx(\"h2\",null,\"Cartes Bancaires' Disputes Monitoring Program\"),mdx(\"p\",null,\"The Cartes Bancaires Dispute Monitoring Program is intended to encourage merchants with an abnormally high dispute rate to restore these to acceptable levels.\"),mdx(\"p\",null,\"You will automatically be entered into the disputes program if you exceed both of the following thresholds for four consecutive months:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"2% dispute-to-sales count ratio\"),mdx(\"li\",{parentName:\"ul\"},\"200 disputes count\")),mdx(\"p\",null,\"When you've been entered into the disputes program, Cartes Bancaires will monitor you for six consecutive months. \"),mdx(TipBox,{variant:\"info\",mdxType:\"TipBox\"},mdx(\"p\",null,\"Cartes Bancaires monitors disputes at the transaction date, not the dispute issue date.\")),mdx(\"p\",null,\"If you're entered into the program, you must develop a remediation plan to bring your dispute rate to acceptable levels. The plan must:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"set out a target date for remediation\"),mdx(\"li\",{parentName:\"ul\"},\"be submitted to Cartes Bancaires within two calendar months of being placed on the program\"),mdx(\"li\",{parentName:\"ul\"},\"be validated by Cartes Bancaires after submission\")),mdx(\"h3\",null,\"Cartes Bancaires' disputes program fines\"),mdx(\"p\",null,\"If you fail to reduce your dispute rates below the specified thresholds, you will incur a 50 EUR fine for each dispute raised during the months that the thresholds were breached. \"),mdx(\"p\",null,\"35 EUR from each fine will be paid to the issuer.\"),mdx(\"h3\",null,\"How to exit Cartes Bancaires' disputes program\"),mdx(\"p\",null,\"Cartes Bancaires will remove you from the dispute program if you fall below either of the following threshold for six consecutive months:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"Perform below 1% dispute-to-sales count ratio.\"),mdx(\"li\",{parentName:\"ul\"},\"The disputes count is below 100.\")),mdx(\"hr\",null),mdx(\"h2\",null,\"Need help?\"),mdx(\"p\",null,\"If you need support or have questions about the dispute monitoring programs, please contact our Risk team at \",mdx(\"a\",o({parentName:\"p\"},{href:\"mailto:risk@checkout.com\"}),\"risk@checkout.com\"),\".\"))}MDXContent.isMDXComponent=!0;\n","scope":{"title":"Dispute monitoring programs","account":"NAS","description":"Learn more about the dispute monitoring programs card schemes may place merchants in, if they exceed acceptable levels of disputes received.","lastUpdated":"March 5, 2024","flag":null}},"childrenArticles":[],"showAuthorSection":true,"menuNavigationItems":[{"id":"/payments","title":"Payments","path":"/payments","children":[{"id":"/payments/accept-payments","title":"Accept payments","path":"/payments/accept-payments","children":[{"id":"/payments/accept-payments/payments-solution-comparison","title":"Payments solution 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