Visa measures your whole book: fraud reports plus disputes, divided by settled transactions, counted in events. Put in your own volumes and see your position against the 0.5% Above Standard and 0.7% Excessive lines — and how far confusion-dispute reduction moves it.
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Bulk boarding from data you already hold, portfolio tooling, wholesale terms. No build cost.
The ratio is (fraud reports + disputes) ÷ settled transactions, in events — a $9.99 dispute counts exactly as much as a $5,000 one. Acquirer portfolio thresholds shown are 0.5% Above Standard and 0.7% Excessive; merchant-level monitoring runs separately at 1.5%. Program thresholds change — verify against current Visa documentation before relying on them.
The ladder reduces disputes (TC15) only. That is deliberate and conservative: a cardholder who recognizes a charge also doesn't report it as fraud, so recognition pressure on TC40 is real upside the model leaves out.
RDR and CDRN resolve disputes after they are raised — the fee is paid, and TC40 still counts where fraud was claimed. Preventing the dispute at the descriptor removes the event from the numerator entirely. Both approaches coexist; they are not substitutes.
This is an arithmetic model of your own inputs, not a performance guarantee, a forecast, or a compliance determination. Actual program standing depends on Visa's calculations, enforcement timelines and your full portfolio mix.
Claim the descriptor your customers actually see, control what it says about your business, and decide how they reach you when they have a question about a charge.
Claim, enrich and maintain the record consumers and banks look up. $20 per month, no integration, no processor change.
How it works →Bring the fix to your own book at your own retail, with portfolio tooling and no build cost.
Partner economics →How descriptors are boarded, enriched and recognized — and why the data is declared rather than inferred.
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