Indicative analysis of payment performance, routing, and risk exposure.
Use your operating parameters to estimate the potential revenue impact of payment inefficiencies, identify likely failure points, and highlight possible optimisation priorities. This tool generates indicative outputs based on user inputs, heuristic models, and publicly available data sources. It does not use real transaction data and does not measure actual payment processing performance.
Test a real card to understand how issuer, region, and routing impact transaction success.
Performance Score
Risk Level
Critical
Estimated Monthly Loss
—
Potential Recovery
—
Approval Rate — Current vs Benchmark
Revenue Impact (12 months)
Failure Distribution
Most Likely Failure Points
Single PSP dependency creating routing inefficiency and zero fallback capacity
No failover system — any PSP outage causes direct transaction loss
Static routing incompatible with current risk profile and regional spread
High-risk profile without adaptive routing — declining issuers not dynamically bypassed
Chargeback rate at 0.9% — approaching critical threshold
Immediate Optimization Opportunities
Introduce multi-acquirer architecture with intelligent fallback routing
Implement smart routing with BIN-level and issuer-specific optimization
Deploy full redundancy failover system across all processing nodes
Implement proactive chargeback management and fraud signal analysis
Sensitivity Analysis
Approval Rate
72.0%
Estimated Monthly Loss
—
Estimate fraud and dispute exposure based on Visa monitoring logic.
Monitoring Risk
High Monitoring Exposure
Projected VAMP
613.3
bps
TC40 Count
120
TC15 Count
180
TC40 / TC15 Composition
12-Month Risk Trajectory (bps)
Optimization Impact on VAMP
Key Risk Drivers
Combined TC40+TC15 volume elevated above safe threshold
No pre-dispute mitigation in place — full dispute exposure
Compelling Evidence 3.0 unused — TC40 weight not reduced
High cross-border share (45%) increases issuer friction
3DS coverage at 35% — significant CNP fraud exposure
High-risk vertical amplifies Visa monitoring sensitivity
Weak customer support → higher uncontested dispute rate
Risk Reduction Actions
Increase 3DS coverage to 75%+ on CNP segments (current: 35%)
Activate pre-dispute solutions (Verifi/Ethoca) to deflect TC15 at source
Implement CE 3.0 workflows to reduce TC40 fraud representations
Apply adaptive routing to reduce cross-border issuer friction
Deploy velocity controls and CAPTCHA to suppress enumeration TC40 noise
Strengthen dispute response workflow to contest invalid chargebacks
Implement monthly VAMP tracking to detect trend inflection points early
Impact on Your Payment Performance
Estimated approval loss due to risk exposure
-4.5%
Estimated monthly financial exposure
-€33,000
Acquirer relationship signal
Capacity at Risk
HOW VISA-RELATED MONITORING IS ASSESSED
Within the VAMP framework, Visa monitors fraud and dispute exposure on card-not-present VisaNet transactions using a ratio that includes TC40 fraud reports and TC15 disputes relative to settled transactions (TC05). Sustained elevation can increase monitoring exposure and may affect acquiring conditions.
This tool provides simulated estimates based on user inputs and heuristic assumptions. It does not use real transaction data and does not represent official Visa calculations, reporting, compliance assessments, or network-recognised metrics.
This tool is not affiliated with, endorsed by, or connected to Visa. All results are indicative only and must not be relied upon for financial, legal, regulatory, or operational decision-making.
These tools are designed for indicative analysis, scenario testing, and operational insight. PMaaS extends that into real execution across routing, issuer behaviour, acquirer relationships, provider coordination, fraud pressure, chargeback exposure, and payment performance under live operating conditions.