Free chargeback tool
Chargeback ratio and threshold checker
Are you near a card-network monitoring program? Enter your monthly chargebacks and transactions to see your ratio against Visa and Mastercard thresholds.
Thresholds for Visa's Dispute Monitoring Program and Mastercard's Excessive Chargeback programs, current as of October 2026. Programs and exact counts are set by the networks and your acquirer, confirm with them.
Why the ratio matters
Cross a network threshold and you enter a monitoring program with fines, and repeated breaches can put your business on the MATCH list, which can end your ability to accept cards. Winning the disputes you can is what keeps the ratio down.
Pull the ratio back
Every dispute you win is one fewer counted against you. Winning Disputes builds the evidence that turns losable service chargebacks into wins.
FAQ
Frequently asked questions
What chargeback ratio is too high?
Visa's dispute monitoring starts at a 0.9% ratio with 100+ disputes in a month; Mastercard's excessive program starts at 1.5% with 100+ chargebacks. Below those you are generally clear, but acquirers may set stricter limits.
What is the MATCH list?
MATCH is Mastercard's list of terminated merchants. Landing on it can stop you accepting cards for years, which is why keeping your ratio down by winning valid disputes matters.