By default, the Chargebacks Metrics page excludes the following data:
  • All non-card-based disputes
  • SEPA chargebacks
  • Chargebacks that result in Rapid Dispute Resolution (see step 4 below to add these back in)
  • Chargebacks with the status categories of cancelled, RFI, pre-arbitration, pre-dispute, notification_of_fraud, and pre-compliance (see step 4 below to add these back in)
Overview of the Metrics Chargebacks section in Insights
To explore the Chargebacks Metrics pages:
1

Navigate to Chargebacks

Click Metrics in the main navigation, then click Chargebacks.
2

Select a tab

Each tab represents a different metric relevant to your card chargeback data. Click a tab to view a graph of the associated metric over the last seven days. Your options include:
3

Set a date range

Use the Date Range filter in the top-right corner of the page to change the time period.
4

Filter out specific transactions

Click Dataset, then select from the following options:
5

Compare to previous period

Click the Compare to Previous Period toggle to view the value of that metric in the chosen time period side-by-side with that of the previous period, including the total or percent change in that value from one period to the next.
6

Apply additional settings to the chart

Click Options, then select from the following (availability varies by metric):
  • Frame Relevant Range - Zoom in on the relevant range of values on the y-axis
  • View Distribution - Adjust the chart to show the percent distribution of your data across a set of parameters; this option only appears for count and value tabs when using Focus mode
7

Choose a chargeback formula

Click the chargeback formula drop-down to select which formula we use to calculate your chargeback rate:
8

Explore the bar lists

Use the bar lists beneath the main graph to filter your data. Learn more about filtering Metrics pages in the Overview.
9

Ask Pagos AI to analyze your data

From the Chargeback Rate tab, click Analyze Data to request a data summary from Pagos AI. The summary includes a full analysis of the data in the main graph and suggested next steps for researching potential issues.
10

Export your data

Click Export to select from the following options:
  • Open With… - Select from the available options to continue your analysis in a different section of your Pagos Service Panel.
  • Aggregated Data - Download the data displayed in the chart. If you’ve filtered or focused your data to any particular dimensions or parameters, these customizations will be reflected in the exported data.
  • Transaction-Level Data - If you’re subscribed to Transaction-Level Data Exports, you can download the data for the individual transactions included in the chart. Downloaded charts will appear in your Exports page; keep in mind, each report download is subject to your pricing agreement.

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Visa Chargeback Formula and VAMP Data

When you select the Visa Formula, the main graph in each tab automatically breaks down your Fraud Notification (TC40) vs. Chargeback (TC15) contributions to your chargeback volume. The table beneath calculates your chargeback rate, chargeback count, and transaction count for each MID; this directly mirrors Visa’s VAMP calculation methods and helps you identify exactly what’s driving your VAMP rate across MIDs and processors. Click a MID in the table to remove it from the chart.
Only Adyen, Stripe, and Chase provide TC40 data at this time. If we’re missing data needed to calculate your true VAMP rate—such as TC40 if you transact through any other processor—you’ll see a notice in the dashboard. This indicates your VAMP metrics might be underreported.

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VAMP Overview

Visa’s Acquirer Monitoring Program (VAMP) helps Visa monitor card-not-present fraud and chargeback risk across the ecosystem. Visa calculates a VAMP rate for each of your MIDs monthly, flagging accounts that exceed specific thresholds based on region and volume. If a MID’s VAMP rate is too high, you may face additional monitoring, potential penalties, or enforcement actions. The VAMP rate is calculated as the sum of all fraud and non-fraud chargebacks (identified in your TC15 report) and early fraud warnings (TC40 report), divided by your total settled card-not-present transaction count.
Your VAMP rate may be different from your traditional chargeback rate, as Visa includes TC40 fraud alert data in their calculation. This provides a broader view of potential fraud exposure beyond what is captured in chargebacks alone.
Visa’s VAMP thresholds are as follows:
RegionDisputesExcessive Rate
US, Canada, EU, and Asia Pacific1,500+220 BPS
LAC1,500+150 BPS
CEMEA150+ and $75,000+220 BPS

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Bar Lists

You can use bar lists on the Chargebacks page to identify how different segments of your business are impacted by chargebacks. Click on a parameter in any graph to filter all graphs on the page to only show transactions that fit the chosen parameter. The available bar lists include: