What Is Chargeback Ratio? A 2026 Guide to Rates, Thresholds & How to Reduce Them

A chargeback ratio measures the percentage of transactions that result in chargebacks in a given month. Visa’s VAMP monitoring uses fraud reports plus disputes divided by settled transactions. Mastercard uses current-month chargebacks divided by prior-month transactions. Different formulas produce different numbers for the same merchant.

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