Visa's Acquirer Monitoring Program counts fraud reports and disputes together against your card-not-present sales. See where you stand against the merchant threshold.
Ratio = (fraud reports + disputes) ÷ card-not-present sales. Fraud reports usually also become disputes, so one bad order can count twice. Winning a dispute does not remove it from the count.
The program is run between Visa and payment providers. Shopify Payments merchants are monitored through Shopify, who may contact you if your account is at risk. Keeping your ratio low protects your account either way.
TC40 is a fraud report sent by a card issuer. TC15 is a dispute record. You may not see these labels in Shopify, so use your fraud-coded disputes for TC40 and all Visa disputes for TC15.
The thresholds above reflect Visa's published changes effective April 2026. Card networks update programs often, so confirm with your payment provider.
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See whether your Mastercard chargebacks put you in the excessive or high-excessive tier.
paymentsSee what chargebacks really cost you each month and each year, including fees and your time.
balanceCompare accepting a chargeback with fighting it, and find your break-even win chance.
Results are estimates from the numbers you enter, not advice. Card network rules and Shopify fees change, so confirm figures with Shopify or your payment provider.