Free dispute rate & account risk checker
Works for every card brand you take: Visa, Mastercard, Amex, and Discover.
See where your Stripe account actually stands.
Enter your last 30 days of Stripe numbers to estimate your dispute rate and see how close you are to the level where Stripe can limit your account.
Searching for your VAMP ratio? VAMP is Visa’s version. We show your overall dispute rate, since Stripe and every card network watch it.
Most merchants get limited by Stripe at 0.75%, well before any single card network’s program kicks in. We show the line that actually applies at your volume.
Your numbers
Successful card charges across all brands. In Stripe: Balance Transactions, type=payment.
Chargebacks and inquiries. In Stripe: Disputes.
Early fraud warnings (TC40). In Stripe: Radar, Reviews.
Your dispute rate
No rate yetEnter your numbers to see where your account stands.
How dispute rate actually works
The number is the same kind of rate Stripe and every card network use to monitor your account. The thresholds below are the lines that matter, with the sources to verify them.
How your dispute rate is measured
It is the share of your charges that end in a dispute, counted the way the card networks measure it for monitoring (by when the dispute arrives). Early fraud warnings count too. It covers every card brand, not just one.
Why it can cost you your account
Stripe is your acquirer. The card networks require Stripe to keep merchants’ dispute activity under their limits and fine Stripe when it does not, so Stripe watches your rate, warns you, and can limit or close your account to protect itself. Stripe usually acts first, before the networks’ formal programs.
The levels that matter
- Stripe danger zone: 0.75%. At or above this, Stripe says network monitoring programs are likely triggered. Under about 0.65% is normal. A sharp upward trend can draw attention even lower.
- Visa (VAMP): excessive at 1.5% with 1,500+ disputes and fraud reports a month.
- Mastercard (ECP): 1.5%+ with 100+ chargebacks a month; severe (HECM) at 3%+ with 300+.
- Amex and Discover run their own monitoring on top.
- Most smaller merchants are under every network’s count, so Stripe’s own limit is the real line for them.
The worst case
A merchant terminated for excessive chargebacks can land on the MATCH list, which can block getting a new payment processor for up to five years.
What helps
Certain Visa fraud disputes defended under Visa’s Compelling Evidence 3.0 rules are excluded from the Visa count.
As of July 2026. Thresholds set by Stripe and the card networks and can change without notice — use the links above to confirm current numbers before acting.
Every dispute counts against your rate, even the ones you win.Winning a dispute recovers the cash. Only fewer disputes bring the rate down. That is why account health and evidence are two different jobs.
Stop tracking this by hand
Connect Stripe once. Verdact watches it daily.
Verdact updates these numbers every day and warns you before you reach Stripe’s 0.75% line, so account risk is never a surprise.